BlastPoint's Banking Scorecard
The Old Exchange National Bank of Okawville
Micro
Specialty: Agricultural
IL
FDIC cert 3827
Designations: ✓ Community bank
Okawville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The Old Exchange National Bank of Okawville 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
- - Net Interest Margin 1.32% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.3M
+11.8% YoY
+12.1% QoQ
|
-$121.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$40.1M
+5.1% YoY
+12.6% QoQ
|
-$99.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$85.3M
+12.2% YoY
+13.2% QoQ
|
-$98.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.90%
+9.5% YoY
+7.0% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
2.53%
+0.4% YoY
+1.5% QoQ
|
-1.32% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
61.24%
-0.3% YoY
-2.4% QoQ
|
-6.49% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.25%
+276.9% YoY
-14.6% QoQ
|
-0.39% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
47.04%
-6.4% YoY
-0.5% QoQ
|
-27.48% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.82%
+11.7% YoY
+23.9% QoQ
|
+3.42% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.10%
+254.3% YoY
-14.2% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
20.51%
-2.8% YoY
-7.9% QoQ
|
+11.65% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.04%
-49.5% YoY
+7.7% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.53%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
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: 20.51% · Tier avg: 8.85%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.82% · Tier avg: 22.39%
63
63th pctile
Efficiency Ratio
Current: 61.24% · Tier avg: 67.73%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
39
39th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
23
23th pctile
Total Deposits
Current: $85.3M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $96.3M · Tier avg: $217.5M
15
15th pctile
Total Loans
Current: $40.1M · Tier avg: $139.2M
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.04% · Tier avg: 74.53%
6
6th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.85%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
6
6th pctile
Net Interest Margin
Current: 2.53% · Tier avg: 3.85%
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.04% · Tier avg: 74.53%
15
15th pctile
Total Loans
Current: $40.1M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $96.3M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $85.3M · Tier avg: $183.7M
39
39th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
63
63th pctile
Efficiency Ratio
Current: 61.24% · Tier avg: 67.73%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.82% · Tier avg: 22.39%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.51% · Tier avg: 8.85%