BlastPoint's Banking Scorecard

Bank of Belleville

$100M-$1B Specialty: Commercial IL FDIC cert 58114

Belleville, IL

4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits -1.3% year over year ($411.4M on the books).
Delinquency rate 2.04%.
Return on assets 1.00%.
Efficiency ratio 62.90% vs a 64.48% peer average.
Loan-to-deposit ratio 94.29% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Bank of Belleville has 1 strength but faces 4 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

+ Efficiency Ratio 1.58% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 37.5% in tier
- Credit Risk Growth: Bottom 47.3% in tier
- ROA 0.33% below tier average
- Net Interest Margin 0.80% below tier average

Get updates when Bank of Belleville releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$562.9M +11.9% YoY +2.5% QoQ	+$176.3M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$388.0M +6.5% YoY +4.1% QoQ	+$129.6M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	78%
Total Deposits ?	$411.4M -1.3% YoY -7.5% QoQ	+$84.7M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	1.00% +105.2% YoY +15.8% QoQ	-0.33%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	33%
Net Interest Margin ?	3.18% +12.5% YoY +0.9% QoQ	-0.80%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	16%
Efficiency Ratio ?	62.90% -11.1% YoY -1.1% QoQ	-1.58%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	48%
Delinquency Rate ?	2.04% +27.4% YoY +14.0% QoQ	+1.12%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 12.6% in tier
Loan-to-Deposit Ratio ?	94.29% +7.8% YoY +12.5% QoQ	+16.34%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	20.89% +2.2% YoY +17.3% QoQ	-1.14%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	49%
Nonperforming Asset Ratio ?	1.40% +21.2% YoY +15.8% QoQ	+0.74%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 13.2% in tier
Tier 1 Capital Ratio ?	11.16% +6.0% YoY +0.1% QoQ	-4.75%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.10% +1.8% YoY +100.0% QoQ	-0.46%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	19%

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	20.9% +0.5pp YoY +3.1pp QoQ	-1.3pp	22.1%	20.1%	22.2%	49%
Brokered Deposits	7.0% -7.0pp YoY -5.0pp QoQ	-0.9pp	7.9%	8.0%	8.5%	64%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	20.0% +1.0pp YoY -0.1pp QoQ	+8.4pp	11.6%	14.7%	12.5%	88%
CRE	50.5% +0.7pp YoY -0.2pp QoQ	+11.0pp	39.5%	37.9%	41.4%	71%
1-4 Family	26.6% -1.2pp YoY -0.1pp QoQ	-6.0pp	32.6%	28.3%	31.3%	44%
Consumer	0.5% -0.2pp YoY 0.0pp QoQ	-3.6pp	4.1%	5.4%	5.0%	15%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	11.2% +0.6pp YoY 0.0pp QoQ	-7.7pp	18.8%	19.9%	19.7%	9%
Leverage Ratio	8.4% +0.3pp YoY +0.2pp QoQ	-3.8pp	12.2%	12.2%	12.6%	5%
Total Capital Ratio	12.1% +0.6pp YoY 0.0pp QoQ	-7.8pp	19.9%	20.9%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	64 +2 (+3.2%) YoY -1 (-1.5%) QoQ	+5	58	228	482	66%
Assets per Employee ($)	$8.8M +8.4% YoY +4.1% QoQ	+$1.3M	$7.5M	$8.3M	$8.8M	77%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	2.0% +0.4pp YoY +0.3pp QoQ	+1.1pp	0.9%	1.1%	1.0%	88%
Allowance Coverage	0.48x -19.9% YoY -12.2% QoQ	-23.68x	24.15x	5.62x	20.23x	9%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	14.0% +6.7pp YoY +1.8pp QoQ	+1.8pp	12.2%	10.5%	11.6%	62%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.6%	1.7%	82%
Net Income ($, YTD)	$2.8M +133.5% YoY — QoQ	+$198K	$2.6M	$11.7M	$40.4M	66%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#260 of 691 • Bottom 37.5% 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: 94.29%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Credit Risk Growth

risk

#444 of 936 • Bottom 47.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

587

Total Loans

size

Value: $387.95M

Peer Median: $258.35M

#587 of 2643 Top 22.2% in $100M-$1B

596

Total Assets

size

Value: $562.89M

Peer Median: $386.57M

#596 of 2643 Top 22.5% in $100M-$1B

Top Weaknesses (5 metrics)

2302

Delinquency Rate

credit_quality

Value: 2.04%

Peer Median: 0.92%

#2302 of 2633 Bottom 12.6% in $100M-$1B

2296

Nonperforming Asset Ratio

credit_quality

Value: 1.40%

Peer Median: 0.67%

#2296 of 2643 Bottom 13.2% in $100M-$1B

2234

Net Interest Margin

profitability

Value: 3.18%

Peer Median: 3.99%

#2234 of 2643 Bottom 15.5% in $100M-$1B

2183

Loan-to-Deposit Ratio

liquidity

Value: 94.29%

Peer Median: 77.95%

#2183 of 2643 Bottom 17.4% in $100M-$1B

2143

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2143 of 2643 Bottom 19.0% in $100M-$1B