BlastPoint's Banking Scorecard
Hickory Point Bank and Trust
Community
Specialty: Commercial
IL
FDIC cert 22874
Decatur, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Hickory Point Bank and Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 46% in Community
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$713.4M
-5.2% YoY
-1.1% QoQ
|
-$678.1M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$435.7M
-7.1% YoY
-4.3% QoQ
|
-$539.8M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$628.0M
-4.6% YoY
-1.6% QoQ
|
-$536.6M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.10%
+39.6% YoY
+7.7% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.62%
+17.9% YoY
+1.0% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
68.23%
-5.7% YoY
-2.5% QoQ
|
+5.60% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.07%
-74.3% YoY
-8.1% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
69.38%
-2.6% YoY
-2.7% QoQ
|
-13.68% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
20.04%
+0.9% YoY
-6.4% QoQ
|
-1.01% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.04%
-88.9% YoY
-11.1% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 13% in tier |
| Tier 1 Capital Ratio ? |
16.18%
+16.7% YoY
+7.2% QoQ
|
+5.94% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
1.26%
+4.9% YoY
+43.5% QoQ
|
+0.52% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#173 of 371 · Top 46% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.26%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.10%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
Deposit Outflow
decline
#69 of 248 · Bottom 28% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 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
91
91th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.74%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.18% · Tier avg: 10.24%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.04% · Tier avg: 21.05%
48
48th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
31
31th pctile
Efficiency Ratio
Current: 68.23% · Tier avg: 62.63%
31
31th pctile
Total Deposits
Current: $628.0M · Tier avg: $1.2B
28
28th pctile
Total Assets
Current: $713.4M · Tier avg: $1.4B
20
20th pctile
Total Loans
Current: $435.7M · Tier avg: $975.5M
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.38% · Tier avg: 83.06%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.38% · Tier avg: 83.06%
20
20th pctile
Total Loans
Current: $435.7M · Tier avg: $975.5M
28
28th pctile
Total Assets
Current: $713.4M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $628.0M · Tier avg: $1.2B
31
31th pctile
Efficiency Ratio
Current: 68.23% · Tier avg: 62.63%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
48
48th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.16%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.04% · Tier avg: 21.05%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.18% · Tier avg: 10.24%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
87
87th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
91
91th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.74%