BlastPoint's Banking Scorecard
Town Center Bank
Frankfort, IL
2 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 +14.0% year over year ($138.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.25%.
- Efficiency ratio 72.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 101.70% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Town Center Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 48.7% in tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.07% below tier average
- - Loan-to-Deposit Ratio 23.75% above tier average
- - Efficiency Ratio 8.47% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.6M
+11.2% YoY
+3.4% QoQ
|
-$205.9M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$140.6M
+13.3% YoY
+5.8% QoQ
|
-$117.7M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$138.3M
+14.0% YoY
+4.5% QoQ
|
-$188.4M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
0.25%
-69.3% YoY
-63.9% QoQ
|
-1.07% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.5% in tier |
| Net Interest Margin ? |
3.97%
+2.6% YoY
+2.2% QoQ
|
-0.02% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
72.95%
+3.0% YoY
-1.3% QoQ
|
+8.47% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
101.70%
-0.6% YoY
+1.2% QoQ
|
+23.75% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.95%
-21.0% YoY
-3.0% QoQ
|
+0.92% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.33%
-22.6% QoQ
|
+0.66% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.5% in tier |
| Tier 1 Capital Ratio ? |
12.24%
-9.1% YoY
-5.9% QoQ
|
-3.67% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.15%
-5.3% YoY
+103.7% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
23.0%
-6.1pp YoY -0.7pp QoQ |
+0.8pp | 22.1% | 20.1% | 22.2% | 59% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
22.0%
-0.5pp YoY +3.1pp QoQ |
+10.4pp | 11.6% | 14.7% | 12.5% | 91% |
| CRE |
64.2%
-2.2pp YoY -3.5pp QoQ |
+24.7pp | 39.5% | 37.9% | 41.4% | 89% |
| 1-4 Family |
13.1%
+2.6pp YoY +0.7pp QoQ |
-19.6pp | 32.6% | 28.3% | 31.3% | 16% |
| Consumer |
1.7%
+0.2pp YoY -0.3pp QoQ |
-2.4pp | 4.1% | 5.4% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
-1.2pp YoY -0.8pp QoQ |
-6.6pp | 18.8% | 19.9% | 19.7% | 19% |
| Leverage Ratio |
11.4%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 12.2% | 12.2% | 12.6% | 56% |
| Total Capital Ratio |
13.2%
-1.3pp YoY -0.8pp QoQ |
-6.8pp | 19.9% | 20.9% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
+2 (+9.1%) YoY +1 (+4.3%) QoQ |
-35 | 58 | 228 | 482 | 17% |
| Assets per Employee ($) |
$7.5M
+1.9% YoY -0.9% QoQ |
+$9K | $7.5M | $8.3M | $8.8M | 61% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.9%
+0.9pp YoY +0.9pp QoQ |
+0.8pp | 0.1% | 0.1% | 0.2% | 97% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.2%
-4.9pp YoY -3.8pp QoQ |
-10.0pp | 12.2% | 10.5% | 11.6% | 6% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.6% | 1.7% | 75% |
| Net Income ($, YTD) |
$224,000
-66.9% YoY — QoQ |
-$2.3M | $2.6M | $11.7M | $40.4M | 5% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.