BlastPoint's Banking Scorecard

Servbank, National Association

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

Designations: ✓ Community bank

Oswego, IL

8 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
Deposits +123.2% year over year ($1.2B on the books).
Delinquency rate 0.60%.
Return on assets 2.21%.
Efficiency ratio 70.51% vs a 59.73% peer average.
Loan-to-deposit ratio 86.78% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL

View $1B-$10B leaderboard (IL) →

Servbank, National Association has 4 strengths but faces 1 concern

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 9.9% in tier
+ Deposit Franchise: Top 17.5% in tier
+ Return on Assets 0.82% above tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 83.9% in tier

Get updates when Servbank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$1.7B +82.5% YoY -1.0% QoQ	-$1.1B	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	43%
Total Loans ?	$1.1B +190.8% YoY -6.3% QoQ	-$904.5M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	35%
Total Deposits ?	$1.2B +123.2% YoY -1.8% QoQ	-$1.1B	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	2.21% -53.3% YoY +10.9% QoQ	+0.82%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 6.7% in tier
Net Interest Margin ?	4.95% -11.6% YoY +10.5% QoQ	+1.08%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Top 5.9% in tier
Efficiency Ratio ?	70.51% +12.3% YoY -5.3% QoQ	+10.78%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	20%
Delinquency Rate ?	0.60% -45.8% YoY +21.7% QoQ	-0.27%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	86.78% +30.3% YoY -4.5% QoQ	+1.74%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	51%
Non-Interest-Bearing Deposit Share ?	36.28% -52.5% YoY +4.3% QoQ	+15.01%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Top 7.3% in tier
Nonperforming Asset Ratio ?	0.42% -1.3% YoY +31.5% QoQ	-0.25%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	50%
Tier 1 Capital Ratio ?	11.81% -42.7% YoY -28.1% QoQ	-3.03%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	2.38% -60.8% YoY +91.2% QoQ	+1.85%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 2.4% in tier

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	36.3% -40.1pp YoY +1.5pp QoQ	+14.9pp	21.4%	20.1%	22.2%	92%
Brokered Deposits	1.3% -0.1pp QoQ	-8.1pp	9.5%	8.0%	8.5%	22%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	5.0% +3.4pp YoY -1.5pp QoQ	-9.0pp	14.0%	14.7%	12.5%	18%
CRE	62.4% +16.7pp YoY +3.7pp QoQ	+12.4pp	50.0%	37.9%	41.4%	79%
1-4 Family	28.6% -23.8pp YoY -3.1pp QoQ	+2.2pp	26.4%	28.3%	31.3%	63%
Consumer	0.4% +0.4pp YoY 0.0pp QoQ	-4.3pp	4.7%	5.4%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	19.9%	19.7%	n/a
Leverage Ratio	11.8% -8.8pp YoY -4.6pp QoQ	+0.5pp	11.3%	12.2%	12.6%	74%
Total Capital Ratio	n/a	n/a	16.7%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	406 -133 (-24.7%) YoY -17 (-4.0%) QoQ	+92	313	228	482	78%
Assets per Employee ($)	$4.2M +142.3% YoY +3.2% QoQ	-$6.3M	$10.5M	$8.3M	$8.8M	2%
Branch Count	8 +7 (+700.0%) YoY 0 QoQ	-12	20	10	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.6% -0.5pp YoY +0.1pp QoQ	-0.2pp	0.8%	1.1%	1.0%	56%
Allowance Coverage	1.74x +55.5% YoY -48.7% QoQ	-16.97x	18.71x	5.62x	20.23x	43%
Net Charge-off Rate (YTD)	-0.0% -0.2pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	16.0% -6.7pp YoY +2.1pp QoQ	+3.4pp	12.6%	10.5%	11.6%	78%
Cost of Funds (YTD)	1.1% +0.8pp YoY +0.3pp QoQ	-0.8pp	1.9%	1.6%	1.7%	8%
Net Income ($, YTD)	$16.2M -22.6% YoY — QoQ	-$3.0M	$19.2M	$11.7M	$40.4M	63%

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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

#23 of 222 • Top 9.9% 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: 2.38%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 2.21%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Franchise

growth

#15 of 80 • Top 17.5% 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: 36.28%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.95%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Cost Spiral

risk

#27 of 31 • Bottom 83.9% 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: 70.51%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

31 of 31 Mid-Market banks match · 184 nationally

→ Stable +9 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.38%

Peer Median: 0.53%

#22 of 885 Top 2.4% in $1B-$10B

Net Interest Margin

profitability

Value: 4.95%

Peer Median: 3.87%

#53 of 885 Top 5.9% in $1B-$10B

Return on Assets

profitability

Value: 2.21%

Peer Median: 1.39%

#60 of 885 Top 6.7% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 36.28%

Peer Median: 21.27%

#66 of 885 Top 7.3% in $1B-$10B

Top Weaknesses (1 metrics)

710

Efficiency Ratio

profitability

Value: 70.51%

Peer Median: 59.73%

#710 of 885 Bottom 19.9% in $1B-$10B