BlastPoint's Banking Scorecard
BankChampaign, National Association
Micro
Specialty: Commercial
IL
FDIC cert 22434
Designations: ✓ Community bank
Champaign, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
BankChampaign, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.45% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.37% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$251.9M
+2.7% YoY
+3.7% QoQ
|
+$34.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$212.3M
+9.6% YoY
+3.8% QoQ
|
+$73.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$202.3M
+5.2% YoY
+3.0% QoQ
|
+$18.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.87%
-21.8% YoY
+7.4% QoQ
|
+0.78% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.40%
+10.2% YoY
+1.6% QoQ
|
+0.55% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
62.65%
+10.7% YoY
-2.4% QoQ
|
-5.07% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.00%
-87.4% YoY
-51.8% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
104.90%
+4.2% YoY
+0.8% QoQ
|
+30.37% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.93%
-32.1% YoY
-0.6% QoQ
|
-7.47% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.25%
-9.7% YoY
-4.2% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
13.88%
-6.4% YoY
+3.5% QoQ
|
+5.03% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
1.01%
-40.8% YoY
+35.5% QoQ
|
+0.45% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.01%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
104.90%
(Tier avg: 74.53%, National avg: 78.04%)
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: 1.01% · Tier avg: 0.56%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
77
77th pctile
Total Loans
Current: $212.3M · Tier avg: $139.2M
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.88% · Tier avg: 8.85%
63
63th pctile
Total Assets
Current: $251.9M · Tier avg: $217.5M
60
60th pctile
Total Deposits
Current: $202.3M · Tier avg: $183.7M
60
60th pctile
Efficiency Ratio
Current: 62.65% · Tier avg: 67.73%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.93% · Tier avg: 22.39%
5
5th pctile
Loan-to-Deposit Ratio
Current: 104.90% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 104.90% · Tier avg: 74.53%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.93% · Tier avg: 22.39%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
60
60th pctile
Efficiency Ratio
Current: 62.65% · Tier avg: 67.73%
60
60th pctile
Total Deposits
Current: $202.3M · Tier avg: $183.7M
63
63th pctile
Total Assets
Current: $251.9M · Tier avg: $217.5M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.88% · Tier avg: 8.85%
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
77
77th pctile
Total Loans
Current: $212.3M · Tier avg: $139.2M
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
87
87th pctile
Return on Assets
Current: 1.87% · Tier avg: 1.08%
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%