BlastPoint's Banking Scorecard
FWBank
Chicago, IL
FWBank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 19.8% in tier
- + Deposit Franchise: Top 71.7% in tier
- + Delinquency Rate 0.86% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency Ratio 18.05% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$202.3M
+11.4% YoY
+5.5% QoQ
|
-$183.8M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$125.2M
-0.9% YoY
-3.2% QoQ
|
-$130.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$172.4M
+9.1% YoY
+5.9% QoQ
|
-$155.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
0.67%
+73.1% YoY
-70.5% QoQ
|
-0.60% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
5.03%
+1.3% YoY
-0.0% QoQ
|
+1.10% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 6.7% in tier |
| Efficiency Ratio ? |
83.33%
-6.3% YoY
+8.7% QoQ
|
+18.05% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate ? |
0.02%
-98.4% YoY
-96.9% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
72.62%
-9.2% YoY
-8.6% QoQ
|
-4.02% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
28.02%
+29.3% YoY
+13.7% QoQ
|
+6.00% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.01%
-98.6% YoY
-97.2% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
12.87%
-1.9% YoY
-3.7% QoQ
|
-2.96% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.54%
+74.5% YoY
-70.4% QoQ
|
+0.26% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 3.0% in tier |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.