BlastPoint's Banking Scorecard
Devon Bank
Micro
Specialty: Commercial
IL
FDIC cert 16249
Designations: ✓ Community bank
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Devon Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.28% above tier
- + Non-Interest Income / Assets 0.98% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.38% below tier
- - Net Interest Margin 1.11% below tier
- - Efficiency Ratio 41.89% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$456.7M
-7.8% YoY
-2.0% QoQ
|
+$239.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$198.9M
-9.7% YoY
+1.7% QoQ
|
+$59.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$300.6M
-9.1% YoY
-1.6% QoQ
|
+$116.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
-0.29%
+50.6% YoY
-6.4% QoQ
|
-1.38% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.75%
+15.5% YoY
+1.1% QoQ
|
-1.11% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
109.61%
-2.5% YoY
-1.6% QoQ
|
+41.89% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.17%
+1.2% YoY
-8.1% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
66.18%
-0.6% YoY
+3.4% QoQ
|
-8.35% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
43.67%
+16.1% YoY
+0.3% QoQ
|
+21.28% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-0.8% YoY
-4.6% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
10.18%
+8.1% YoY
-0.6% QoQ
|
+1.33% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
1.54%
-1.8% YoY
+34.8% QoQ
|
+0.98% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.67%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.54%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.29%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.75%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
109.61%
(Tier avg: 67.73%, National avg: 65.09%)
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
96
96th pctile
Non-Interest Income / Assets
Current: 1.54% · Tier avg: 0.56%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.67% · Tier avg: 22.39%
95
95th pctile
Total Assets
Current: $456.7M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $300.6M · Tier avg: $183.7M
74
74th pctile
Total Loans
Current: $198.9M · Tier avg: $139.2M
70
70th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.18% · Tier avg: 8.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 66.18% · Tier avg: 74.53%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
4
4th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.08%
3
3th pctile
Efficiency Ratio
Current: 109.61% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 109.61% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.29% · Tier avg: 1.08%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 66.18% · Tier avg: 74.53%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.18% · Tier avg: 8.85%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
74
74th pctile
Total Loans
Current: $198.9M · Tier avg: $139.2M
81
81th pctile
Total Deposits
Current: $300.6M · Tier avg: $183.7M
95
95th pctile
Total Assets
Current: $456.7M · Tier avg: $217.5M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.67% · Tier avg: 22.39%
96
96th pctile
Non-Interest Income / Assets
Current: 1.54% · Tier avg: 0.56%