BlastPoint's Banking Scorecard
Kinmundy Bank
Designations: ✓ Community bank
Kinmundy, IL
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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +16.9% year over year ($69.0M on the books).
- Delinquency rate 0.68%.
- Return on assets 2.14%.
- Efficiency ratio 37.41% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.14% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Kinmundy Bank shows strong momentum with 4 strengths and 16.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.14% above tier average
- + Efficiency Ratio 81.99% below tier average
- + Net Interest Margin 0.58% above tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.1M
+16.3% YoY
+5.1% QoQ
|
+$17.6M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$50.5M
+7.7% YoY
+4.4% QoQ
|
+$15.6M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$69.0M
+16.9% YoY
+5.5% QoQ
|
+$17.4M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
2.14%
-12.3% YoY
+1.2% QoQ
|
+1.14% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Top 9.0% in tier |
| Net Interest Margin ? |
4.49%
-5.4% YoY
+0.1% QoQ
|
+0.58% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
37.41%
-1.1% YoY
+1.9% QoQ
|
-81.99% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 2.4% in tier |
| Delinquency Rate ? |
0.68%
-5.8% YoY
+2.4% QoQ
|
-0.80% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
73.14%
-7.8% YoY
-1.0% QoQ
|
-1.07% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
27.16%
+10.6% YoY
+18.6% QoQ
|
+3.67% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.54%
-25.5% YoY
+0.2% QoQ
|
-0.29% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
21.50%
+5.3% YoY
-1.9% QoQ
|
-5.62% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.21%
-25.9% YoY
+98.5% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
72% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
27.2%
+2.6pp YoY +4.3pp QoQ |
+2.5pp | 24.6% | 20.1% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.7%
-0.3pp YoY -0.3pp QoQ |
-6.7pp | 13.4% | 14.7% | 12.5% | 31% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
39.5%
+1.1pp YoY -1.3pp QoQ |
+4.6pp | 35.0% | 28.3% | 31.3% | 61% |
| Consumer |
25.0%
-0.8pp YoY +0.5pp QoQ |
+17.3pp | 7.7% | 5.4% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.5%
+1.1pp YoY -0.4pp QoQ |
-17.2pp | 38.7% | 19.9% | 19.7% | 53% |
| Leverage Ratio |
13.0%
0.0pp YoY +0.1pp QoQ |
-4.7pp | 17.7% | 12.2% | 12.6% | 53% |
| Total Capital Ratio |
22.4%
+1.0pp YoY -0.4pp QoQ |
-17.3pp | 39.7% | 20.9% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 228 | 482 | 36% |
| Assets per Employee ($) |
$8.9M
+16.3% YoY +5.1% QoQ |
+$2.7M | $6.2M | $8.3M | $8.8M | 87% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.0% | 0.4% | 0.4% | 46% |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-1.4pp | 1.7% | 1.1% | 1.0% | 32% |
| Allowance Coverage |
1.18x
-1.0% YoY -6.2% QoQ |
-5.23x | 6.41x | 5.62x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
-2.4pp YoY +0.3pp QoQ |
+9.1pp | 6.4% | 10.5% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.5%
+0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.6% | 1.7% | 55% |
| Net Income ($, YTD) |
$818,000
-1.2% YoY — QoQ |
+$500K | $317,817 | $11.7M | $40.4M | 92% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.