BlastPoint's Banking Scorecard
Better Banks
Micro
Specialty: Other
IL
FDIC cert 1808
Designations: ✓ Community bank
Peoria, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Better Banks demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.76% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$433.2M
-2.3% YoY
-1.2% QoQ
|
+$215.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$287.7M
+0.3% YoY
-0.3% QoQ
|
+$148.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$394.8M
-3.7% YoY
-1.7% QoQ
|
+$211.1M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
0.95%
+16.5% YoY
+3.1% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.52%
+14.8% YoY
+2.4% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
71.25%
-4.5% YoY
-1.4% QoQ
|
+3.53% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
1.21%
-19.6% YoY
-10.1% QoQ
|
+0.57% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
72.88%
+4.1% YoY
+1.5% QoQ
|
-1.64% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
18.86%
-4.5% YoY
+1.2% QoQ
|
-3.54% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.03%
-13.8% YoY
-7.1% QoQ
|
+0.58% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
13.35%
+0.1% YoY
+1.5% QoQ
|
+4.50% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
1.33%
+20.4% YoY
+36.6% QoQ
|
+0.76% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.33%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
Total Deposits
Current: $394.8M · Tier avg: $183.7M
95
95th pctile
Non-Interest Income / Assets
Current: 1.33% · Tier avg: 0.56%
92
92th pctile
Total Assets
Current: $433.2M · Tier avg: $217.5M
90
90th pctile
Total Loans
Current: $287.7M · Tier avg: $139.2M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.35% · Tier avg: 8.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.88% · Tier avg: 74.53%
42
42th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.86% · Tier avg: 22.39%
37
37th pctile
Efficiency Ratio
Current: 71.25% · Tier avg: 67.73%
34
34th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
24
24th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
Top Weaknesses
18
18th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
24
24th pctile
Delinquency Rate
Current: 1.21% · Tier avg: 0.64%
34
34th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
37
37th pctile
Efficiency Ratio
Current: 71.25% · Tier avg: 67.73%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.86% · Tier avg: 22.39%
42
42th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.08%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.88% · Tier avg: 74.53%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.35% · Tier avg: 8.85%
90
90th pctile
Total Loans
Current: $287.7M · Tier avg: $139.2M
92
92th pctile
Total Assets
Current: $433.2M · Tier avg: $217.5M
95
95th pctile
Non-Interest Income / Assets
Current: 1.33% · Tier avg: 0.56%
96
96th pctile
Total Deposits
Current: $394.8M · Tier avg: $183.7M