BlastPoint's Banking Scorecard
The Old Exchange National Bank of Okawville
Designations: ✓ Community bank
Okawville, 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 +8.9% year over year ($80.1M on the books).
- Delinquency rate 0.19%.
- Return on assets 1.12%.
- Efficiency ratio 55.42% vs a 119.40% peer average.
- Loan-to-deposit ratio 48.05% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.12% above tier average
- + Efficiency Ratio 63.98% below tier average
- + Delinquency Rate 1.29% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.27% below tier average
- - Non-Interest Income / Assets 1.36% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$91.3M
+9.9% YoY
-0.8% QoQ
|
+$28.9M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Top 11.6% in tier |
| Total Loans ? |
$38.5M
+9.8% YoY
+1.7% QoQ
|
+$3.6M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$80.1M
+8.9% YoY
-0.8% QoQ
|
+$28.5M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 9.5% in tier |
| Return on Assets ? |
1.12%
+36.3% YoY
-4.8% QoQ
|
+0.12% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
2.65%
+5.8% YoY
+0.0% QoQ
|
-1.27% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio ? |
55.42%
-12.2% YoY
+4.1% QoQ
|
-63.98% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.19%
-36.1% YoY
-26.7% QoQ
|
-1.29% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
48.05%
+0.8% YoY
+2.5% QoQ
|
-26.16% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
17.94%
-3.4% YoY
-5.0% QoQ
|
-5.55% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.08%
-36.1% YoY
-24.9% QoQ
|
-0.76% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
22.27%
-1.4% YoY
+0.3% QoQ
|
-4.85% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.02%
-32.7% YoY
+42.9% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.5% in tier |
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 |
17.9%
-0.6pp YoY -0.9pp QoQ |
-6.7pp | 24.6% | 20.1% | 22.2% | 28% |
| 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 |
2.9%
+0.4pp YoY +0.1pp QoQ |
-10.5pp | 13.4% | 14.7% | 12.5% | 10% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
16.7%
-0.1pp YoY -1.0pp QoQ |
-18.2pp | 35.0% | 28.3% | 31.3% | 32% |
| Consumer |
1.8%
+0.5pp YoY +0.2pp QoQ |
-5.9pp | 7.7% | 5.4% | 5.0% | 21% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.3%
-0.3pp YoY +0.1pp QoQ |
-16.4pp | 38.7% | 19.9% | 19.7% | 55% |
| Leverage Ratio |
11.1%
-0.3pp YoY 0.0pp QoQ |
-6.6pp | 17.7% | 12.2% | 12.6% | 30% |
| Total Capital Ratio |
23.1%
-0.4pp YoY 0.0pp QoQ |
-16.5pp | 39.7% | 20.9% | 20.8% | 55% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-1 | 12 | 228 | 482 | 50% |
| Assets per Employee ($) |
$8.3M
+9.9% YoY -0.8% QoQ |
+$2.1M | $6.2M | $8.3M | $8.8M | 83% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.0% | 0.4% | 0.4% | 32% |
| Nonaccrual |
0.0%
0.0pp YoY -0.1pp QoQ |
-1.7pp | 1.7% | 1.1% | 1.0% | 6% |
| Allowance Coverage |
5.45x
+38.0% YoY +28.1% QoQ |
-0.96x | 6.41x | 5.62x | 20.23x | 82% |
| Net Charge-off Rate (YTD) | 0.1% | -0.1pp | 0.2% | 0.1% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
+1.6pp YoY -0.8pp QoQ |
+7.0pp | 6.4% | 10.5% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY +0.1pp QoQ |
+0.3pp | 1.4% | 1.6% | 1.7% | 71% |
| Net Income ($, YTD) |
$522,000
+48.3% YoY — QoQ |
+$204K | $317,817 | $11.7M | $40.4M | 76% |
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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.