BlastPoint's Banking Scorecard
Preferred Bank
Micro
Specialty: Commercial
IL
FDIC cert 34900
Designations: ✓ Community bank
Casey, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Preferred Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.05% below tier
- - Efficiency Ratio 30.51% above tier
- - Delinquency Rate 2.33% above tier
- - Nonperforming Asset Ratio 1.60% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.3M
+8.0% YoY
+0.4% QoQ
|
-$144.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$47.0M
+9.6% YoY
-0.6% QoQ
|
-$92.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$67.6M
+9.6% YoY
+0.5% QoQ
|
-$116.1M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.04%
-89.2% YoY
+768.0% QoQ
|
-1.05% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.21%
-3.6% YoY
-0.4% QoQ
|
-0.65% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
98.24%
+8.8% YoY
-0.5% QoQ
|
+30.51% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
2.97%
+53.8% YoY
-47.3% QoQ
|
+2.33% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
69.64%
+0.0% YoY
-1.1% QoQ
|
-4.89% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
15.00%
-12.8% YoY
+6.4% QoQ
|
-7.40% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
2.06%
+68.3% YoY
-46.0% QoQ
|
+1.60% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
11.59%
-8.8% YoY
+0.7% QoQ
|
+2.74% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.26%
-30.5% YoY
+36.4% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
33% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
98.24%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.97%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.06%
(Tier avg: 0.45%, 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
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.64% · Tier avg: 74.53%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.59% · Tier avg: 8.85%
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.00% · Tier avg: 22.39%
22
22th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
18
18th pctile
Total Loans
Current: $47.0M · Tier avg: $139.2M
17
17th pctile
Total Deposits
Current: $67.6M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $73.3M · Tier avg: $217.5M
7
7th pctile
Delinquency Rate
Current: 2.97% · Tier avg: 0.64%
7
7th pctile
Return on Assets
Current: 0.04% · Tier avg: 1.08%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.06% · Tier avg: 0.45%
5
5th pctile
Efficiency Ratio
Current: 98.24% · Tier avg: 67.73%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 98.24% · Tier avg: 67.73%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.06% · Tier avg: 0.45%
7
7th pctile
Return on Assets
Current: 0.04% · Tier avg: 1.08%
7
7th pctile
Delinquency Rate
Current: 2.97% · Tier avg: 0.64%
14
14th pctile
Total Assets
Current: $73.3M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $67.6M · Tier avg: $183.7M
18
18th pctile
Total Loans
Current: $47.0M · Tier avg: $139.2M
22
22th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.00% · Tier avg: 22.39%
33
33th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.59% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.64% · Tier avg: 74.53%