BlastPoint's Banking Scorecard
The Bank of Bourbonnais
Micro
Specialty: Commercial
IL
FDIC cert 21635
Designations: ✓ Community bank
Bourbonnais, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The Bank of Bourbonnais has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.6M
+5.3% YoY
-0.5% QoQ
|
-$139.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$49.9M
-9.3% YoY
+0.3% QoQ
|
-$89.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$67.3M
+5.1% YoY
-0.7% QoQ
|
-$116.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.77%
+28.8% YoY
+17.3% QoQ
|
-0.31% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.67%
+20.2% YoY
-0.4% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
68.92%
-5.2% YoY
-6.1% QoQ
|
+1.19% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
74.24%
-13.7% YoY
+0.9% QoQ
|
-0.29% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
26.51%
+3.5% YoY
-2.1% QoQ
|
+4.11% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
18.84%
+9.0% YoY
+2.4% QoQ
|
+9.98% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.10%
+4.1% YoY
+25.6% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.10%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.84% · Tier avg: 8.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.51% · Tier avg: 22.39%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.24% · Tier avg: 74.53%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
43
43th pctile
Efficiency Ratio
Current: 68.92% · Tier avg: 67.73%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $49.9M · Tier avg: $139.2M
16
16th pctile
Total Deposits
Current: $67.3M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $77.6M · Tier avg: $217.5M
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
8
8th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
15
15th pctile
Total Assets
Current: $77.6M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.3M · Tier avg: $183.7M
20
20th pctile
Total Loans
Current: $49.9M · Tier avg: $139.2M
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
43
43th pctile
Efficiency Ratio
Current: 68.92% · Tier avg: 67.73%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.24% · Tier avg: 74.53%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.51% · Tier avg: 22.39%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.84% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%