BlastPoint's Banking Scorecard

Old Plank Trail Community Bank, National Association

$1B-$10B Specialty: Commercial IL FDIC cert 58314

New Lenox, IL

16 branches across IL · IN

884 banks in the $1B-$10B peer group nationally 50 in IL

Old Plank Trail Community Bank, National Association has 2 strengths but faces 2 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 13.35% below tier average
+ Delinquency Rate 0.56% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 58.3% in tier
- Net Interest Margin 0.58% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.3B +9.7% YoY +1.4% QoQ	+$505.3M	$2.8B -0.1% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	75%
Total Loans ?	$2.4B +7.9% YoY +1.1% QoQ	+$409.7M	$2.0B +0.6% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$2.9B +7.8% YoY +1.7% QoQ	+$545.1M	$2.3B -0.3% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.28% -7.9% YoY +10.6% QoQ	-0.08%	1.37% +19.6% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	3.24% -2.0% YoY -0.6% QoQ	-0.58%	3.82% +6.9% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	47.71% +0.9% YoY -1.2% QoQ	-13.35%	61.06% -4.6% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.33% -33.1% YoY -37.8% QoQ	-0.56%	0.89% +14.1% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	68%
Loan-to-Deposit Ratio ?	82.21% +0.1% YoY -0.5% QoQ	-2.00%	84.20% +0.3% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	16.40% -6.3% YoY +3.8% QoQ	-4.89%	21.29% -2.5% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.24% -36.4% YoY -37.5% QoQ	-0.44%	0.67% +15.6% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	10.93% +2.1% YoY -1.0% QoQ	-4.23%	15.16% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.06% -29.4% YoY -77.4% QoQ	-0.20%	0.26% +1.6% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 12.8% in tier

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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 (1)

Margin Compression

decline

#50 of 84 • Bottom 58.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.28%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

141

Efficiency Ratio

profitability

Value: 47.71%

Peer Median: 61.06%

#141 of 884 Top 15.8% in $1B-$10B

211

Total Deposits

size

Value: $2.89B

Peer Median: $2.34B

#211 of 884 Top 23.8% in $1B-$10B

Top Weaknesses (2 metrics)

772

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#772 of 884 Bottom 12.8% in $1B-$10B

744

Tier 1 Capital Ratio

capital

Value: 10.93%

Peer Median: 15.16%

#744 of 884 Bottom 16.0% in $1B-$10B