BlastPoint's Banking Scorecard

Prospect Bank

$100M-$1B Specialty: Commercial IL FDIC cert 3722

Paris, IL

11 branches across IL · IN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +2.4% year over year ($603.4M on the books).
Delinquency rate 0.46%.
Return on assets 0.26%.
Efficiency ratio 92.60% vs a 64.48% peer average.
Loan-to-deposit ratio 77.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Prospect Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 33.2% in tier
- Return on Assets 1.06% below tier average
- Net Interest Margin 1.26% below tier average
- Efficiency Ratio 28.12% above tier average

Get updates when Prospect Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$715.6M +3.9% YoY +2.0% QoQ	+$329.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 12.0% in tier
Total Loans ?	$469.9M +0.0% YoY +5.7% QoQ	+$211.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Top 14.1% in tier
Total Deposits ?	$603.4M +2.4% YoY +1.8% QoQ	+$276.7M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 12.0% in tier
Return on Assets ?	0.26% -7.7% YoY +50.4% QoQ	-1.06%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 6.7% in tier
Net Interest Margin ?	2.73% +13.3% YoY +1.4% QoQ	-1.26%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 5.4% in tier
Efficiency Ratio ?	92.60% -5.7% YoY +0.0% QoQ	+28.12%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 4.3% in tier
Delinquency Rate ?	0.46% +51.1% YoY -5.1% QoQ	-0.46%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	77.88% -2.3% YoY +3.9% QoQ	-0.08%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	54%
Non-Interest-Bearing Deposit Share ?	12.11% -8.0% YoY -9.3% QoQ	-9.92%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 14.8% in tier
Nonperforming Asset Ratio ?	0.33% -39.8% YoY -1.7% QoQ	-0.34%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	50%
Tier 1 Capital Ratio ?	12.09% -0.9% YoY -4.7% QoQ	-3.82%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.34% +24.3% YoY +101.3% QoQ	-0.23%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	78%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	12.1% -1.1pp YoY -1.2pp QoQ	-10.0pp	22.1%	20.1%	22.2%	14%
Brokered Deposits	16.6% -5.2pp YoY -1.2pp QoQ	+8.7pp	7.9%	8.0%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	10.2% -0.2pp YoY +0.8pp QoQ	-1.4pp	11.6%	14.7%	12.5%	53%
CRE	61.4% +0.8pp YoY +0.3pp QoQ	+21.9pp	39.5%	37.9%	41.4%	86%
1-4 Family	16.3% -1.0pp YoY -1.7pp QoQ	-16.3pp	32.6%	28.3%	31.3%	22%
Consumer	0.6% -0.1pp YoY -0.1pp QoQ	-3.5pp	4.1%	5.4%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.1% -0.1pp YoY -0.6pp QoQ	-6.7pp	18.8%	19.9%	19.7%	18%
Leverage Ratio	8.5% +0.1pp YoY 0.0pp QoQ	-3.7pp	12.2%	12.2%	12.6%	6%
Total Capital Ratio	12.8% -0.2pp YoY -0.7pp QoQ	-7.2pp	19.9%	20.9%	20.8%	14%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	98 +4 (+4.3%) YoY 0 QoQ	+39	58	228	482	86%
Assets per Employee ($)	$7.3M -0.4% YoY +2.0% QoQ	-$216K	$7.5M	$8.3M	$8.8M	58%
Branch Count	11 -1 (-8.3%) YoY 0 QoQ	+6	4	10	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.5% +0.2pp YoY 0.0pp QoQ	-0.5pp	0.9%	1.1%	1.0%	50%
Allowance Coverage	1.56x -41.4% YoY -5.4% QoQ	-22.60x	24.15x	5.62x	20.23x	40%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	4.3% -1.4pp YoY +1.4pp QoQ	-7.9pp	12.2%	10.5%	11.6%	11%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.6%	1.7%	80%
Net Income ($, YTD)	$911,000 -9.5% YoY — QoQ	-$1.6M	$2.6M	$11.7M	$40.4M	24%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#418 of 1256 • Bottom 33.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.46%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

317

Total Assets

size

Value: $715.63M

Peer Median: $386.57M

#317 of 2643 Top 12.0% in $100M-$1B

317

Total Deposits

size

Value: $603.39M

Peer Median: $326.73M

#317 of 2643 Top 12.0% in $100M-$1B

374

Total Loans

size

Value: $469.89M

Peer Median: $258.35M

#374 of 2643 Top 14.1% in $100M-$1B

584

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.57%

#584 of 2643 Top 22.1% in $100M-$1B

Top Weaknesses (4 metrics)

2531

Efficiency Ratio

profitability

Value: 92.60%

Peer Median: 64.48%

#2531 of 2643 Bottom 4.3% in $100M-$1B

2502

Net Interest Margin

profitability

Value: 2.73%

Peer Median: 3.99%

#2502 of 2643 Bottom 5.4% in $100M-$1B

2468

Return on Assets

profitability

Value: 0.26%

Peer Median: 1.32%

#2468 of 2643 Bottom 6.7% in $100M-$1B

2252

Non-Interest-Bearing Deposit Share

funding

Value: 12.11%

Peer Median: 22.03%

#2252 of 2643 Bottom 14.8% in $100M-$1B