BlastPoint's Banking Scorecard
Burling Bank
Micro
Specialty: Commercial
IL
FDIC cert 27556
Designations: ✓ Community bank
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Burling Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.47% above tier
- + Net Interest Margin 1.16% above tier
- + Non-Interest-Bearing Deposit Share 22.63% 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 ? |
$198.9M
-7.1% YoY
+1.3% QoQ
|
-$18.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$161.7M
-5.3% YoY
+0.2% QoQ
|
+$22.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$166.9M
-9.6% YoY
+5.8% QoQ
|
-$16.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.55%
+10.7% YoY
+6.9% QoQ
|
+1.47% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.02%
+9.3% YoY
+0.7% QoQ
|
+1.16% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
51.25%
+3.0% YoY
-4.6% QoQ
|
-16.48% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.54%
-5.6% YoY
+37.9% QoQ
|
-0.10% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
96.90%
+4.8% YoY
-5.3% QoQ
|
+22.37% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
45.02%
-19.4% YoY
-20.3% QoQ
|
+22.63% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.44%
-3.8% YoY
+36.4% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.77%
+19.9% YoY
+32.2% QoQ
|
+0.21% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.55%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.02%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.02%
(Tier avg: 22.39%, National avg: 21.79%)
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
97
97th pctile
Return on Assets
Current: 2.55% · Tier avg: 1.08%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.02% · Tier avg: 22.39%
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
88
88th pctile
Efficiency Ratio
Current: 51.25% · Tier avg: 67.73%
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
64
64th pctile
Total Loans
Current: $161.7M · Tier avg: $139.2M
51
51th pctile
Total Assets
Current: $198.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Deposits
Current: $166.9M · Tier avg: $183.7M
43
43th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.90% · Tier avg: 74.53%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 96.90% · Tier avg: 74.53%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
50
50th pctile
Total Deposits
Current: $166.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $198.9M · Tier avg: $217.5M
64
64th pctile
Total Loans
Current: $161.7M · Tier avg: $139.2M
86
86th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.56%
88
88th pctile
Efficiency Ratio
Current: 51.25% · Tier avg: 67.73%
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.02% · Tier avg: 22.39%
97
97th pctile
Return on Assets
Current: 2.55% · Tier avg: 1.08%