BlastPoint's Banking Scorecard
Hinsdale Bank & Trust Company, National Association
Mid-Market
Specialty: Commercial
IL
FDIC cert 33849
Hinsdale, IL
201
banks in Mid-Market tier nationally
12 in IL
View Mid-Market leaderboard (IL) →
Hinsdale Bank & Trust Company, National Association shows strong momentum with 1 strength and 12.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.77% below 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 ? |
$6.1B
+12.9% YoY
+3.5% QoQ
|
-$4.3B |
$10.5B
+2.9% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$4.5B
+11.8% YoY
+3.9% QoQ
|
-$2.6B |
$7.1B
+4.5% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$4.9B
+12.0% YoY
+1.9% QoQ
|
-$3.7B |
$8.5B
+3.0% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
1.53%
+15.0% YoY
-0.5% QoQ
|
+0.36% |
1.16%
+9.4% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.39%
+3.6% YoY
+0.8% QoQ
|
0 |
3.40%
+7.9% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
38.83%
-11.4% YoY
-1.0% QoQ
|
-17.77% |
56.60%
-3.2% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.15%
-47.5% YoY
-5.5% QoQ
|
-0.54% |
0.68%
+12.0% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
92.61%
-0.1% YoY
+2.0% QoQ
|
+7.14% |
85.47%
+1.1% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
18.21%
-5.9% YoY
+0.7% QoQ
|
-2.43% |
20.64%
-0.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.12%
-51.2% YoY
-14.7% QoQ
|
-0.38% |
0.50%
+7.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 15% in tier |
| Tier 1 Capital Ratio ? |
11.03%
-1.4% YoY
-0.8% QoQ
|
-2.52% |
13.55%
+1.8% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Bottom 15% in tier |
| Non-Interest Income / Assets ? |
0.32%
-2.1% YoY
+35.7% QoQ
|
-0.64% |
0.96%
+7.1% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Mid-Market
Why this stands out
Current:
38.83%
(Tier avg: 56.60%, National avg: 65.09%)
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
91
91th pctile
Efficiency Ratio
Current: 38.83% · Tier avg: 56.60%
89
89th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.68%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
69
69th pctile
Loan-to-Deposit Ratio
Current: 92.61% · Tier avg: 85.47%
44
44th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.40%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.21% · Tier avg: 20.64%
28
28th pctile
Total Loans
Current: $4.5B · Tier avg: $7.1B
20
20th pctile
Total Assets
Current: $6.1B · Tier avg: $10.5B
18
18th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.96%
18
18th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
15
15th pctile
Tier 1 Capital Ratio
Current: 11.03% · Tier avg: 13.55%
Top Weaknesses
15
15th pctile
Tier 1 Capital Ratio
Current: 11.03% · Tier avg: 13.55%
18
18th pctile
Total Deposits
Current: $4.9B · Tier avg: $8.5B
18
18th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.96%
20
20th pctile
Total Assets
Current: $6.1B · Tier avg: $10.5B
28
28th pctile
Total Loans
Current: $4.5B · Tier avg: $7.1B
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.21% · Tier avg: 20.64%
44
44th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.40%
69
69th pctile
Loan-to-Deposit Ratio
Current: 92.61% · Tier avg: 85.47%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.68%
91
91th pctile
Efficiency Ratio
Current: 38.83% · Tier avg: 56.60%