BlastPoint's Banking Scorecard

Prospect Bank

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

Paris, IL

11 branches across IL · IN

2664 banks in the $100M-$1B peer group nationally 211 in IL

Prospect Bank has 1 strength but faces 5 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 0.41% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 19.2% in tier
- Efficiency Drag: Bottom 36.5% in tier
- Credit Quality Pressure: Bottom 37.5% in tier
- Return on Assets 1.10% below tier average
- Net Interest Margin 1.24% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$701.4M -2.7% YoY +3.8% QoQ	+$315.3M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 12.6% in tier
Total Loans ?	$444.4M -8.6% YoY -0.2% QoQ	+$188.7M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$592.6M -3.0% YoY +4.2% QoQ	+$264.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 12.8% in tier
Return on Assets ?	0.17% -56.5% YoY -0.3% QoQ	-1.10%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 6.1% in tier
Net Interest Margin ?	2.69% +16.6% YoY +8.6% QoQ	-1.24%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 5.4% in tier
Efficiency Ratio ?	92.57% -8.9% YoY -7.0% QoQ	+27.28%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 5.0% in tier
Delinquency Rate ?	0.48% +83.1% YoY +1.5% QoQ	-0.41%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	74.98% -5.7% YoY -4.2% QoQ	-1.65%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	13.35% -11.2% YoY -1.8% QoQ	-8.67%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.34% -33.5% YoY -51.7% QoQ	-0.30%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	12.68% +10.1% YoY -1.1% QoQ	-3.15%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.17% +26.3% YoY -68.1% QoQ	-0.11%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	79%

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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 (3)

Deposit Outflow

decline

#98 of 506 • Bottom 19.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#152 of 414 • Bottom 36.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 92.57%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Credit Quality Pressure

risk

#491 of 1308 • Bottom 37.5% in tier

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

Why this signature

Delinquency Rate: 0.48%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

337

Total Assets

size

Value: $701.42M

Peer Median: $386.08M

#337 of 2664 Top 12.6% in $100M-$1B

341

Total Deposits

size

Value: $592.62M

Peer Median: $327.97M

#341 of 2664 Top 12.8% in $100M-$1B

424

Total Loans

size

Value: $444.37M

Peer Median: $255.72M

#424 of 2664 Top 15.9% in $100M-$1B

565

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#565 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (4 metrics)

2533

Efficiency Ratio

profitability

Value: 92.57%

Peer Median: 65.29%

#2533 of 2664 Bottom 5.0% in $100M-$1B

2521

Net Interest Margin

profitability

Value: 2.69%

Peer Median: 3.93%

#2521 of 2664 Bottom 5.4% in $100M-$1B

2503

Return on Assets

profitability

Value: 0.17%

Peer Median: 1.27%

#2503 of 2664 Bottom 6.1% in $100M-$1B

2173

Non-Interest-Bearing Deposit Share

funding

Value: 13.35%

Peer Median: 22.02%

#2173 of 2664 Bottom 18.5% in $100M-$1B