BlastPoint's Banking Scorecard
Cornerstone National Bank & Trust Company
Designations: ✓ Community bank
Palatine, IL
5 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 +0.6% year over year ($897.0M on the books).
- Delinquency rate 0.03%.
- Return on assets 1.15%.
- Efficiency ratio 61.60% vs a 59.73% peer average.
- Loan-to-deposit ratio 87.78% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cornerstone National Bank & Trust Company has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.84% below tier average
- + Nonperforming Asset Ratio 0.65% below tier average
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 48.8% in tier
- - ROA 0.24% below tier average
- - Efficiency Ratio 1.87% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+0.8% YoY
-1.2% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.8% in tier |
| Total Loans ? |
$787.4M
+16.1% YoY
+3.3% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.2% in tier |
| Total Deposits ? |
$897.0M
+0.6% YoY
-1.8% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.7% in tier |
| Return on Assets ? |
1.15%
+9.0% YoY
+14.3% QoQ
|
-0.24% |
1.39%
+17.0% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
41% |
| Net Interest Margin ? |
4.03%
+9.2% YoY
+2.3% QoQ
|
+0.16% |
3.87%
+6.2% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
61.60%
-5.1% YoY
-6.9% QoQ
|
+1.87% |
59.73%
-12.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.03%
-73.4% YoY
-6.3% QoQ
|
-0.84% |
0.87%
+11.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 6.3% in tier |
| Loan-to-Deposit Ratio ? |
87.78%
+15.5% YoY
+5.2% QoQ
|
+2.75% |
85.04%
-0.1% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
31.22%
-3.6% YoY
+0.7% QoQ
|
+9.95% |
21.27%
-1.5% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Top 13.0% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-69.3% YoY
-58.5% QoQ
|
-0.65% |
0.67%
+11.7% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 6.0% in tier |
| Tier 1 Capital Ratio ? |
11.97%
-8.0% YoY
+2.2% QoQ
|
-2.87% |
14.84%
-0.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.33%
+21.7% YoY
+122.4% QoQ
|
-0.20% |
0.53%
+2.5% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
58% |
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 |
31.2%
-1.2pp YoY +0.2pp QoQ |
+9.9pp | 21.4% | 20.1% | 22.2% | 87% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
28.5%
-1.6pp YoY -1.9pp QoQ |
+14.5pp | 14.0% | 14.7% | 12.5% | 90% |
| CRE |
59.5%
+1.4pp YoY +1.4pp QoQ |
+9.5pp | 50.0% | 37.9% | 41.4% | 75% |
| 1-4 Family |
12.4%
+0.1pp YoY +0.1pp QoQ |
-14.0pp | 26.4% | 28.3% | 31.3% | 23% |
| Consumer |
0.5%
+0.2pp YoY +0.2pp QoQ |
-4.2pp | 4.7% | 5.4% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.0%
-1.0pp YoY +0.3pp QoQ |
-3.6pp | 15.6% | 19.9% | 19.7% | 23% |
| Leverage Ratio |
10.4%
0.0pp YoY +0.3pp QoQ |
-0.9pp | 11.3% | 12.2% | 12.6% | 46% |
| Total Capital Ratio |
13.1%
-1.0pp YoY +0.3pp QoQ |
-3.6pp | 16.7% | 20.9% | 20.8% | 23% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
102
+4 (+4.1%) YoY +1 (+1.0%) QoQ |
-212 | 313 | 228 | 482 | 8% |
| Assets per Employee ($) |
$9.9M
-3.2% YoY -2.2% QoQ |
-$603K | $10.5M | $8.3M | $8.8M | 64% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 10 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.8% | 1.1% | 1.0% | 3% |
| Allowance Coverage |
46.92x
+266.5% YoY +8.5% QoQ |
+28.21x | 18.71x | 5.62x | 20.23x | 96% |
| Net Charge-off Rate (YTD) | 0.0% | -0.3pp | 0.3% | 0.1% | 0.2% | 21% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+0.9pp YoY +1.3pp QoQ |
-1.1pp | 12.6% | 10.5% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.6% | 1.7% | 24% |
| Net Income ($, YTD) |
$5.9M
+12.1% YoY — QoQ |
-$13.4M | $19.2M | $11.7M | $40.4M | 16% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.