BlastPoint's Banking Scorecard
1st Equity Bank
Micro
Specialty: Commercial
IL
FDIC cert 34393
Designations: ✓ Community bank
Skokie, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
1st Equity Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.12% above tier
- - Non-Interest-Bearing Deposit Share 13.90% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.5M
+2.7% YoY
-0.4% QoQ
|
-$92.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$93.8M
+2.3% YoY
+0.7% QoQ
|
-$45.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$83.3M
-3.5% YoY
-5.6% QoQ
|
-$100.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.62%
+7.2% YoY
-8.1% QoQ
|
+0.54% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.08%
+2.5% YoY
-1.1% QoQ
|
+0.23% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
63.60%
-6.4% YoY
+3.7% QoQ
|
-4.13% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.37%
-61.5% YoY
-0.7% QoQ
|
-0.27% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
112.65%
+6.1% YoY
+6.6% QoQ
|
+38.12% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.50%
-9.3% YoY
-26.4% QoQ
|
-13.90% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.28%
-61.7% YoY
+0.4% QoQ
|
-0.18% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
20.72%
-4.6% YoY
-3.7% QoQ
|
+11.87% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.66%
-19.9% YoY
+22.0% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
112.65%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.50%
(Tier avg: 22.39%, National avg: 21.79%)
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
87
87th pctile
Tier 1 Capital Ratio
Current: 20.72% · Tier avg: 8.85%
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
57
57th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 67.73%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
41
41th pctile
Total Loans
Current: $93.8M · Tier avg: $139.2M
30
30th pctile
Total Assets
Current: $125.5M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $83.3M · Tier avg: $183.7M
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.50% · Tier avg: 22.39%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.65% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.65% · Tier avg: 74.53%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.50% · Tier avg: 22.39%
23
23th pctile
Total Deposits
Current: $83.3M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $125.5M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $93.8M · Tier avg: $139.2M
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
57
57th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 67.73%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.72% · Tier avg: 8.85%