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

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 +12.4% year over year ($3.1B on the books).
Delinquency rate 0.29%.
Return on assets 1.19%.
Efficiency ratio 47.72% vs a 59.73% peer average.
Loan-to-deposit ratio 79.79% 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) →

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 12.01% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 44.7% in tier
- Net Interest Margin 0.68% below tier average

Get updates when Old Plank Trail Community Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$3.5B +12.7% YoY +6.4% QoQ	+$739.0M	$2.8B -0.6% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$2.5B +9.2% YoY +4.8% QoQ	+$524.8M	$2.0B -0.3% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$3.1B +12.4% YoY +8.0% QoQ	+$799.6M	$2.3B -0.5% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	1.19% -9.2% YoY -7.0% QoQ	-0.20%	1.39% +17.0% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.19% -2.5% YoY -1.3% QoQ	-0.68%	3.87% +6.2% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	21%
Efficiency Ratio ?	47.72% -0.8% YoY +0.0% QoQ	-12.01%	59.73% -12.6% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.29% -33.1% YoY -12.1% QoQ	-0.58%	0.87% +11.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	70%
Loan-to-Deposit Ratio ?	79.79% -2.9% YoY -2.9% QoQ	-5.25%	85.04% -0.1% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	15.26% -8.4% YoY -7.0% QoQ	-6.01%	21.27% -1.5% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	0.21% -34.8% YoY -13.2% QoQ	-0.47%	0.67% +11.7% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	10.81% +0.9% YoY -1.0% QoQ	-4.03%	14.84% -0.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.12% -17.2% YoY +106.1% QoQ	-0.41%	0.53% +2.5% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 13.0% 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	15.3% -1.4pp YoY -1.1pp QoQ	-6.1pp	21.4%	20.1%	22.2%	28%
Brokered Deposits	11.4% -0.1pp YoY +0.1pp QoQ	+2.0pp	9.5%	8.0%	8.5%	73%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	46.4% -1.9pp YoY +1.2pp QoQ	+32.4pp	14.0%	14.7%	12.5%	97%
CRE	23.2% +1.8pp YoY +1.0pp QoQ	-26.8pp	50.0%	37.9%	41.4%	6%
1-4 Family	9.0% +0.5pp YoY -0.6pp QoQ	-17.4pp	26.4%	28.3%	31.3%	14%
Consumer	16.0% -2.2pp YoY -1.4pp QoQ	+11.3pp	4.7%	5.4%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	10.8% +0.1pp YoY -0.1pp QoQ	-4.8pp	15.6%	19.9%	19.7%	7%
Leverage Ratio	8.8% -0.1pp YoY -0.2pp QoQ	-2.5pp	11.3%	12.2%	12.6%	8%
Total Capital Ratio	11.5% +0.1pp YoY -0.1pp QoQ	-5.2pp	16.7%	20.9%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	173 +20 (+13.1%) YoY +16 (+10.2%) QoQ	-141	313	228	482	32%
Assets per Employee ($)	$20.4M -0.3% YoY -3.5% QoQ	+$9.9M	$10.5M	$8.3M	$8.8M	95%
Branch Count	16 +1 (+6.7%) YoY +1 (+6.7%) QoQ	-4	20	10	18	53%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	54%
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.1%	1.0%	26%
Allowance Coverage	2.16x +59.8% YoY +19.2% QoQ	-16.55x	18.71x	5.62x	20.23x	52%
Net Charge-off Rate (YTD)	0.3% +0.2pp YoY -0.1pp QoQ	0.0pp	0.3%	0.1%	0.2%	83%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	13.9% -1.6pp YoY -0.8pp QoQ	+1.3pp	12.6%	10.5%	11.6%	65%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.6%	1.7%	60%
Net Income ($, YTD)	$20.2M +1.7% YoY — QoQ	+$915K	$19.2M	$11.7M	$40.4M	70%

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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

#39 of 85 • Bottom 44.7% 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: 1.19%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

158

Efficiency Ratio

profitability

Value: 47.72%

Peer Median: 59.73%

#158 of 885 Top 17.7% in $1B-$10B

189

Total Deposits

size

Value: $3.12B

Peer Median: $2.32B

#189 of 885 Top 21.2% in $1B-$10B

206

Total Assets

size

Value: $3.53B

Peer Median: $2.79B

#206 of 885 Top 23.2% in $1B-$10B

210

Total Loans

size

Value: $2.49B

Peer Median: $1.96B

#210 of 885 Top 23.6% in $1B-$10B

Top Weaknesses (3 metrics)

771

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.53%

#771 of 885 Bottom 13.0% in $1B-$10B

753

Tier 1 Capital Ratio

capital

Value: 10.81%

Peer Median: 14.84%

#753 of 885 Bottom 15.0% in $1B-$10B

696

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.87%

#696 of 885 Bottom 21.5% in $1B-$10B