BlastPoint's Banking Scorecard

Servbank, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 55130

Designations: ✓ Community bank

Oswego, IL

8 branches across IL

884 banks in the $1B-$10B peer group nationally 50 in IL

Servbank, National Association has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 11.3% in tier
+ Deposit Franchise: Top 46.5% in tier
+ ROA 0.63% above tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 43.7% in tier
- Cost Spiral: Bottom 96.8% in tier

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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 ?	$1.7B +88.3% YoY +72.6% QoQ	-$1.1B	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	43%
Total Loans ?	$1.1B +287.7% YoY +110.7% QoQ	-$835.5M	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	40%
Total Deposits ?	$1.2B +144.8% YoY +94.9% QoQ	-$1.1B	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	34%
Return on Assets ?	1.99% -56.3% YoY -49.2% QoQ	+0.63%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 10.3% in tier
Net Interest Margin ?	4.48% -14.4% YoY -18.2% QoQ	+0.66%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Top 12.3% in tier
Efficiency Ratio ?	74.49% +18.7% YoY +12.6% QoQ	+13.43%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	15%
Delinquency Rate ?	0.49% -54.7% YoY -2.5% QoQ	-0.40%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	90.85% +58.3% YoY +8.1% QoQ	+6.65%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	34.81% -59.0% YoY -48.4% QoQ	+13.52%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 9.4% in tier
Nonperforming Asset Ratio ?	0.32% -6.7% YoY +14.8% QoQ	-0.35%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	60%
Tier 1 Capital Ratio ?	16.43% -25.0% YoY +3.9% QoQ	+1.27%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	83%
Non-Interest Income / Assets ?	1.25% -58.3% YoY -88.4% QoQ	+0.99%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 2.3% in tier

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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 (2)

Revenue Diversifier

growth

#26 of 221 • Top 11.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.25%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.99%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Franchise

growth

#41 of 86 • Top 46.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.81%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.48%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (2)

Liquidity Overhang

risk

#77 of 174 • Bottom 43.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.43%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 90.85%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ

Cost Spiral

risk

#31 of 31 • Bottom 96.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 74.49%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

31 of 31 Mid-Market banks match · 176 nationally

↑ Growing +82 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.25%

Peer Median: 0.26%

#21 of 884 Top 2.3% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 34.81%

Peer Median: 21.29%

#84 of 884 Top 9.4% in $1B-$10B

Return on Assets

profitability

Value: 1.99%

Peer Median: 1.37%

#92 of 884 Top 10.3% in $1B-$10B

110

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.82%

#110 of 884 Top 12.3% in $1B-$10B

150

Tier 1 Capital Ratio

capital

Value: 16.43%

Peer Median: 15.16%

#150 of 884 Top 16.9% in $1B-$10B

Top Weaknesses (1 metrics)

749

Efficiency Ratio

profitability

Value: 74.49%

Peer Median: 61.06%

#749 of 884 Bottom 15.4% in $1B-$10B