BlastPoint's Banking Scorecard
Barrington Bank & Trust Company, National Association
Community
Specialty: Commercial
IL
FDIC cert 34395
Barrington, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Barrington Bank & Trust Company, National Association has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 20% in Community
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 72% in Community
- - Delinquency Rate 4.76% above tier
- - Loan-to-Deposit Ratio 19.62% above tier
- - Nonperforming Asset Ratio 3.77% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.8B
+9.7% YoY
-1.7% QoQ
|
+$3.4B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.8B
+10.1% YoY
+0.0% QoQ
|
+$2.8B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$3.7B
+12.4% YoY
-2.4% QoQ
|
+$2.5B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
1.04%
+18.8% YoY
-8.5% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.25%
+3.8% YoY
+1.2% QoQ
|
-0.42% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
71.32%
-8.0% YoY
+1.4% QoQ
|
+8.69% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
5.39%
-14.6% YoY
+12.9% QoQ
|
+4.76% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
102.68%
-2.1% YoY
+2.5% QoQ
|
+19.62% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.22%
-13.2% YoY
-4.7% QoQ
|
-2.83% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
4.27%
-14.2% YoY
+14.8% QoQ
|
+3.77% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
10.93%
-0.2% YoY
-3.2% QoQ
|
+0.69% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
36% |
| Non-Interest Income / Assets ? |
2.75%
-2.5% YoY
+33.5% QoQ
|
+2.01% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#74 of 371 · Top 20% 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:
2.75%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.04%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (4)
NIB Deposit Bleed
decline
#64 of 89 · Bottom 72% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
18.22%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.39%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
102.68%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.27%
(Tier avg: 0.50%, National avg: 0.48%)
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
99
99th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.8B · Tier avg: $975.5M
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
97
97th pctile
Non-Interest Income / Assets
Current: 2.75% · Tier avg: 0.74%
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.22% · Tier avg: 21.05%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.93% · Tier avg: 10.24%
27
27th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
24
24th pctile
Efficiency Ratio
Current: 71.32% · Tier avg: 62.63%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.68% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 5.39% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.27% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.27% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.39% · Tier avg: 0.63%
9
9th pctile
Loan-to-Deposit Ratio
Current: 102.68% · Tier avg: 83.06%
24
24th pctile
Efficiency Ratio
Current: 71.32% · Tier avg: 62.63%
27
27th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.66%
36
36th pctile
Tier 1 Capital Ratio
Current: 10.93% · Tier avg: 10.24%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.22% · Tier avg: 21.05%
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
97
97th pctile
Non-Interest Income / Assets
Current: 2.75% · Tier avg: 0.74%
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
99
99th pctile
Total Loans
Current: $3.8B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B