BlastPoint's Banking Scorecard
American Eagle Bank
South Elgin, IL
2 branches across IL
American Eagle Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 15.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.8% in tier
- - Credit Risk Growth: Bottom 11.2% in tier
- - Capital Thin: Bottom 15.9% in tier
- - Flatlined Growth: Bottom 16.8% in tier
- - Net Interest Margin 1.50% below tier average
- - Loan-to-Deposit Ratio 39.91% above tier average
- - Non-Interest-Bearing Deposit Share 18.30% below tier average
- - Non-Interest Income / Assets 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$490.5M
+0.9% YoY
-1.3% QoQ
|
+$104.4M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$437.4M
+5.2% YoY
+2.2% QoQ
|
+$181.6M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
83% |
| Total Deposits ? |
$375.2M
+0.8% YoY
-0.1% QoQ
|
+$47.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
0.50%
+75.8% YoY
+12.0% QoQ
|
-0.77% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 13.1% in tier |
| Net Interest Margin ? |
2.43%
+11.7% YoY
+3.1% QoQ
|
-1.50% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio ? |
71.89%
-10.0% YoY
-0.9% QoQ
|
+6.60% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.04%
+1.9% YoY
-2.7% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
116.55%
+4.4% YoY
+2.3% QoQ
|
+39.91% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.72%
-14.1% YoY
-0.2% QoQ
|
-18.30% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.5% in tier |
| Nonperforming Asset Ratio ? |
0.03%
+6.3% YoY
+0.7% QoQ
|
-0.60% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
10.23%
+0.0% YoY
-0.8% QoQ
|
-5.60% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.6% in tier |
| Non-Interest Income / Assets ? |
0.01%
-16.0% YoY
-76.8% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.8% 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
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.