BlastPoint's Banking Scorecard
The Old Exchange National Bank of Okawville
Designations: ✓ Community bank
Okawville, IL
The Old Exchange National Bank of Okawville has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.34% above tier average
- + Efficiency Ratio 35.11% below tier average
- + Delinquency Rate 1.11% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.22% below tier average
- - Non-Interest Income / Assets 0.65% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.1M
+4.8% YoY
-4.4% QoQ
|
+$29.9M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 10.4% in tier |
| Total Loans ? |
$37.9M
+6.6% YoY
-5.6% QoQ
|
+$3.6M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$80.7M
+3.1% YoY
-5.3% QoQ
|
+$29.0M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 8.1% in tier |
| Return on Assets ? |
1.18%
+38.3% YoY
+31.0% QoQ
|
+0.34% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
2.64%
+5.4% YoY
+4.4% QoQ
|
-1.22% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.0% in tier |
| Efficiency Ratio ? |
53.24%
-12.2% YoY
-13.1% QoQ
|
-35.11% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 12.4% in tier |
| Delinquency Rate ? |
0.26%
-72.0% YoY
+4.9% QoQ
|
-1.11% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
46.90%
+3.4% YoY
-0.3% QoQ
|
-17.32% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
18.88%
-16.9% YoY
-26.9% QoQ
|
-4.83% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.11%
-71.6% YoY
+3.6% QoQ
|
-0.68% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
19.68%
-10.5% YoY
-4.0% QoQ
|
-7.00% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.01%
-18.2% YoY
-64.1% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.8% in tier |
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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.