BlastPoint's Banking Scorecard

Kinmundy Bank

under $100M Specialty: Other IL FDIC cert 3805

Designations: ✓ Community bank

Kinmundy, IL

541 banks in the under $100M peer group nationally 61 in IL

Kinmundy Bank shows strong momentum with 4 strengths and 9.9% YoY asset growth

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

+ Return on Assets 1.27% above tier average
+ Efficiency Ratio 51.63% below tier average
+ Net Interest Margin 0.63% above tier average
+ Delinquency Rate 0.71% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$76.2M +9.9% YoY +3.5% QoQ	+$14.0M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	65%
Total Loans ?	$48.3M +7.0% YoY -1.0% QoQ	+$14.1M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$65.4M +9.3% YoY +3.4% QoQ	+$13.6M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	2.11% -18.3% YoY -14.2% QoQ	+1.27%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 8.5% in tier
Net Interest Margin ?	4.49% -5.1% YoY -5.6% QoQ	+0.63%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	36.72% -2.3% YoY +1.2% QoQ	-51.63%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 2.0% in tier
Delinquency Rate ?	0.66% +10.4% YoY -5.7% QoQ	-0.71%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	73.91% -2.1% YoY -4.3% QoQ	+9.70%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	22.90% -10.2% YoY +1.4% QoQ	-0.82%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.54% -16.8% YoY -8.5% QoQ	-0.25%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	21.91% +7.4% YoY +3.7% QoQ	-4.78%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.11% -37.0% YoY -84.7% QoQ	-0.56%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	74%

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

Efficiency Ratio

profitability

Value: 36.72%

Peer Median: 88.34%

#12 of 541 Top 2.0% in under $100M

Return on Assets

profitability

Value: 2.11%

Peer Median: 0.84%

#47 of 541 Top 8.5% in under $100M

128

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.86%

#128 of 541 Top 23.5% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available