BlastPoint's Banking Scorecard
TrustBank
Community
Specialty: Commercial
IL
FDIC cert 14662
Olney, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
TrustBank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 25% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$628.4M
+7.3% YoY
+0.7% QoQ
|
-$763.1M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$504.8M
+2.8% YoY
+1.0% QoQ
|
-$470.7M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$542.9M
+7.1% YoY
+1.7% QoQ
|
-$621.7M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.59%
+19.7% YoY
-11.2% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.00%
+8.7% YoY
+1.1% QoQ
|
+0.34% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
66.15%
-0.4% YoY
+3.9% QoQ
|
+3.52% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
1.49%
+194.5% YoY
-11.0% QoQ
|
+0.87% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
92.98%
-4.0% YoY
-0.8% QoQ
|
+9.92% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
19.27%
+8.1% YoY
+3.3% QoQ
|
-1.78% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.33%
+208.0% YoY
-1.5% QoQ
|
+0.83% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.42%
+0.2% YoY
+35.6% QoQ
|
+0.68% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#93 of 371 · Top 25% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.42%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.59%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Concerns (1)
Liquidity Strain
risk
#83 of 513 · Bottom 16% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.98%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Non-Interest Income / Assets
Current: 1.42% · Tier avg: 0.74%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
73
73th pctile
Loan-to-Deposit Ratio
Current: 92.98% · Tier avg: 83.06%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.27% · Tier avg: 21.05%
37
37th pctile
Efficiency Ratio
Current: 66.15% · Tier avg: 62.63%
32
32th pctile
Total Loans
Current: $504.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Total Deposits
Current: $542.9M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $628.4M · Tier avg: $1.4B
16
16th pctile
Delinquency Rate
Current: 1.49% · Tier avg: 0.63%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.33% · Tier avg: 0.50%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 1.33% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.49% · Tier avg: 0.63%
18
18th pctile
Total Assets
Current: $628.4M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $542.9M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Loans
Current: $504.8M · Tier avg: $975.5M
37
37th pctile
Efficiency Ratio
Current: 66.15% · Tier avg: 62.63%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.27% · Tier avg: 21.05%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
73
73th pctile
Loan-to-Deposit Ratio
Current: 92.98% · Tier avg: 83.06%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
92
92th pctile
Non-Interest Income / Assets
Current: 1.42% · Tier avg: 0.74%