BlastPoint's Banking Scorecard

Beverly Bank & Trust Company, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 57701

Chicago, 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 +4.0% year over year ($2.3B on the books).
Delinquency rate 0.40%.
Return on assets 1.62%.
Efficiency ratio 57.99% vs a 59.73% peer average.
Loan-to-deposit ratio 90.45% 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) →

Beverly Bank & Trust Company, National Association has 4 strengths but faces 3 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 16.7% in tier
+ ROA 0.23% above tier average
+ Efficiency Ratio 1.74% below tier average
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.1% in tier
- Capital Thin: Bottom 45.0% in tier
- Net Interest Margin 0.26% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$2.7B +4.6% YoY +1.3% QoQ	-$100.8M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$2.1B +0.7% YoY +0.1% QoQ	+$92.4M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$2.3B +4.0% YoY +0.5% QoQ	-$46.1M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	65%
Return on Assets ?	1.62% +12.5% YoY -14.2% QoQ	+0.23%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	3.61% -4.6% YoY +0.1% QoQ	-0.26%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	57.99% -2.1% YoY +6.6% QoQ	-1.74%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	54%
Delinquency Rate ?	0.40% -40.7% YoY +14.5% QoQ	-0.46%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	61%
Loan-to-Deposit Ratio ?	90.45% -3.2% YoY -0.5% QoQ	+5.41%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	39%
Non-Interest-Bearing Deposit Share ?	17.66% +1.8% YoY -3.0% QoQ	-3.61%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	38%
Nonperforming Asset Ratio ?	0.36% -39.7% YoY +11.0% QoQ	-0.32%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	11.43% +2.2% YoY -3.1% QoQ	-3.41%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.99% +19.8% YoY +83.0% QoQ	+0.46%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 6.1% 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	17.7% +0.3pp YoY -0.5pp QoQ	-3.7pp	21.4%	20.1%	22.2%	37%
Brokered Deposits	12.7% +0.5pp YoY -1.5pp QoQ	+3.2pp	9.5%	8.0%	8.5%	76%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	46.4% -6.3pp YoY -0.1pp QoQ	+32.4pp	14.0%	14.7%	12.5%	97%
CRE	27.3% -1.3pp YoY +0.5pp QoQ	-22.7pp	50.0%	37.9%	41.4%	10%
1-4 Family	8.4% +0.9pp YoY -0.3pp QoQ	-18.1pp	26.4%	28.3%	31.3%	12%
Consumer	10.0% +2.0pp YoY +2.4pp QoQ	+5.3pp	4.7%	5.4%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	11.4% +0.2pp YoY -0.4pp QoQ	-4.2pp	15.6%	19.9%	19.7%	16%
Leverage Ratio	9.9% -0.2pp YoY -0.5pp QoQ	-1.4pp	11.3%	12.2%	12.6%	34%
Total Capital Ratio	12.1% 0.0pp YoY -0.3pp QoQ	-4.6pp	16.7%	20.9%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	209 +5 (+2.5%) YoY +8 (+4.0%) QoQ	-105	313	228	482	44%
Assets per Employee ($)	$12.9M +2.1% YoY -2.6% QoQ	+$2.4M	$10.5M	$8.3M	$8.8M	83%
Branch Count	8 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	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	73%
Nonaccrual	0.3% -0.3pp YoY 0.0pp QoQ	-0.5pp	0.8%	1.1%	1.0%	34%
Allowance Coverage	1.65x +22.7% YoY -6.9% QoQ	-17.06x	18.71x	5.62x	20.23x	41%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY -0.2pp QoQ	0.0pp	0.3%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	16.0% +1.9pp YoY -2.4pp QoQ	+3.4pp	12.6%	10.5%	11.6%	79%
Cost of Funds (YTD)	1.9% -0.4pp YoY 0.0pp QoQ	0.0pp	1.9%	1.6%	1.7%	48%
Net Income ($, YTD)	$21.3M +17.5% YoY — QoQ	+$2.0M	$19.2M	$11.7M	$40.4M	71%

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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 (1)

Revenue Diversifier

growth

#38 of 222 • Top 16.7% 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: 0.99%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.62%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Liquidity Strain

risk

#23 of 361 • Bottom 6.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.45%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Capital Thin

risk

#101 of 222 • Bottom 45.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.43%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

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 (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.99%

Peer Median: 0.53%

#55 of 885 Top 6.1% in $1B-$10B

219

Return on Assets

profitability

Value: 1.62%

Peer Median: 1.39%

#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (1 metrics)

669

Tier 1 Capital Ratio

capital

Value: 11.43%

Peer Median: 14.84%

#669 of 885 Bottom 24.5% in $1B-$10B