BlastPoint's Banking Scorecard

FWBank

$100M-$1B Specialty: Commercial IL FDIC cert 59195

Chicago, 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 +4.0% year over year ($176.1M on the books).
Delinquency rate 0.12%.
Return on assets 0.64%.
Efficiency ratio 80.68% vs a 64.48% peer average.
Loan-to-deposit ratio 75.98% 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) →

FWBank has 3 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

+ Revenue Diversifier: Top 19.5% in tier
+ Net Interest Margin 1.11% above tier average
+ Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 0.8% in tier
- ROA 0.68% 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 ?	$206.7M +6.4% YoY +2.2% QoQ	-$179.9M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	28%
Total Loans ?	$133.8M +2.9% YoY +6.9% QoQ	-$124.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$176.1M +4.0% YoY +2.2% QoQ	-$150.6M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	29%
Return on Assets ?	0.64% -43.0% YoY -4.7% QoQ	-0.68%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	5.10% +2.4% YoY +1.4% QoQ	+1.11%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Top 6.8% in tier
Efficiency Ratio ?	80.68% +2.8% YoY -3.2% QoQ	+16.20%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 13.0% in tier
Delinquency Rate ?	0.12% -91.6% YoY +402.1% QoQ	-0.80%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	75.98% -1.0% YoY +4.6% QoQ	-1.97%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	58%
Non-Interest-Bearing Deposit Share ?	25.53% +22.1% YoY -8.9% QoQ	+3.50%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.08% -91.9% YoY +425.4% QoQ	-0.59%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	74%
Tier 1 Capital Ratio ?	12.51% -3.7% YoY -2.8% QoQ	-3.40%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	42%
Non-Interest Income / Assets ?	1.10% +43.4% YoY +102.4% QoQ	+0.53%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 2.9% 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	25.5% +4.6pp YoY -2.5pp QoQ	+3.4pp	22.1%	20.1%	22.2%	67%
Brokered Deposits	10.6% +2.3pp YoY +3.0pp QoQ	+2.7pp	7.9%	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	42.4% +8.7pp YoY +6.5pp QoQ	+30.8pp	11.6%	14.7%	12.5%	98%
CRE	60.4% -8.3pp YoY -6.2pp QoQ	+20.9pp	39.5%	37.9%	41.4%	85%
1-4 Family	n/a	n/a	32.6%	28.3%	31.3%	n/a
Consumer	n/a	n/a	4.1%	5.4%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	12.5% -0.5pp YoY -0.4pp QoQ	+0.3pp	12.2%	12.2%	12.6%	70%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	47 +7 (+17.5%) YoY +4 (+9.3%) QoQ	-12	58	228	482	49%
Assets per Employee ($)	$4.4M -9.4% YoY -6.5% QoQ	-$3.1M	$7.5M	$8.3M	$8.8M	8%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.4%	0.4%	8%
Nonaccrual	0.1% -1.3pp YoY +0.1pp QoQ	-0.8pp	0.9%	1.1%	1.0%	20%
Allowance Coverage	11.27x +1032.8% YoY -76.8% QoQ	-12.88x	24.15x	5.62x	20.23x	83%
Net Charge-off Rate (YTD)	0.3% -0.4pp QoQ	+0.2pp	0.1%	0.1%	0.2%	91%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	4.8% -4.5pp YoY -0.2pp QoQ	-7.4pp	12.2%	10.5%	11.6%	13%
Cost of Funds (YTD)	1.2% -0.3pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.6%	1.7%	21%
Net Income ($, YTD)	$639,000 -37.5% YoY — QoQ	-$1.9M	$2.6M	$11.7M	$40.4M	14%

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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

#130 of 661 • Top 19.5% 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: 1.10%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.64%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#4 of 361 • Bottom 0.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.68%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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)

Non-Interest Income / Assets

revenue_mix

Value: 1.10%

Peer Median: 0.57%

#78 of 2643 Top 2.9% in $100M-$1B

181

Net Interest Margin

profitability

Value: 5.10%

Peer Median: 3.99%

#181 of 2643 Top 6.8% in $100M-$1B

Top Weaknesses (2 metrics)

2300

Efficiency Ratio

profitability

Value: 80.68%

Peer Median: 64.48%

#2300 of 2643 Bottom 13.0% in $100M-$1B

2210

Return on Assets

profitability

Value: 0.64%

Peer Median: 1.32%

#2210 of 2643 Bottom 16.4% in $100M-$1B