BlastPoint's Banking Scorecard
Blackhawk Bank & Trust
Community
Specialty: Commercial
IL
FDIC cert 18402
Milan, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Blackhawk Bank & Trust faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21% in Community
- - Capital Thin: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+3.4% YoY
+2.0% QoQ
|
+$517.0M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.2B
+11.1% YoY
+3.3% QoQ
|
+$219.5M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.6B
+15.1% YoY
+3.5% QoQ
|
+$417.6M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.06%
+59.2% YoY
+8.7% QoQ
|
-0.10% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
2.81%
+43.4% YoY
+5.4% QoQ
|
-0.85% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
55.39%
-17.7% YoY
-3.1% QoQ
|
-7.24% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.33%
+19.1% YoY
-25.2% QoQ
|
-0.30% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
75.53%
-3.5% YoY
-0.1% QoQ
|
-7.53% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
15.41%
-8.4% YoY
+2.4% QoQ
|
-5.64% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
1.06%
+7.3% YoY
-5.0% QoQ
|
+0.56% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
18% |
| 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 ? |
0.34%
+1.5% YoY
+35.4% QoQ
|
-0.40% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Quality Pressure
risk
#173 of 808 · Bottom 21% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.33%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#157 of 432 · Bottom 36% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 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
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
71
71th pctile
Efficiency Ratio
Current: 55.39% · Tier avg: 62.63%
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Loan-to-Deposit Ratio
Current: 75.53% · Tier avg: 83.06%
27
27th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.41% · Tier avg: 21.05%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
12
12th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.66%
Top Weaknesses
12
12th pctile
Net Interest Margin
Current: 2.81% · Tier avg: 3.66%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.41% · Tier avg: 21.05%
27
27th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.74%
29
29th pctile
Loan-to-Deposit Ratio
Current: 75.53% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
59
59th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.63%
71
71th pctile
Efficiency Ratio
Current: 55.39% · Tier avg: 62.63%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
77
77th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B