BlastPoint's Banking Scorecard
American Eagle Bank
Micro
Specialty: Commercial
IL
FDIC cert 57359
Designations: ✓ Community bank
South Elgin, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
American Eagle Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.43% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.50% below tier
- - Non-Interest-Bearing Deposit Share 18.67% below tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$496.9M
+4.8% YoY
+1.9% QoQ
|
+$279.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$428.0M
+5.1% YoY
+2.1% QoQ
|
+$288.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$375.6M
+1.9% YoY
-0.6% QoQ
|
+$192.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
0.44%
+3.3% YoY
-3.2% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.36%
+11.9% YoY
+1.4% QoQ
|
-1.50% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
72.51%
+3.2% YoY
-0.3% QoQ
|
+4.78% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.04%
-5.5% YoY
+110.0% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
113.95%
+3.2% YoY
+2.8% QoQ
|
+39.43% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.73%
-17.8% YoY
-15.8% QoQ
|
-18.67% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-5.2% YoY
+110.6% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
10.31%
+1.1% YoY
+0.8% QoQ
|
+1.46% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.04%
-25.7% YoY
+32.1% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
113.95%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (3)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.36%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.73%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 3%
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
100
100th pctile
Total Loans
Current: $428.0M · Tier avg: $139.2M
100
100th pctile
Total Assets
Current: $496.9M · Tier avg: $217.5M
98
98th pctile
Loan-to-Deposit Ratio
Current: 113.95% · Tier avg: 74.53%
94
94th pctile
Total Deposits
Current: $375.6M · Tier avg: $183.7M
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.31% · Tier avg: 8.85%
34
34th pctile
Efficiency Ratio
Current: 72.51% · Tier avg: 67.73%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.73% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.85%
3
3th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
4
4th pctile
Net Interest Margin
Current: 2.36% · Tier avg: 3.85%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.73% · Tier avg: 22.39%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
34
34th pctile
Efficiency Ratio
Current: 72.51% · Tier avg: 67.73%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.31% · Tier avg: 8.85%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
94
94th pctile
Total Deposits
Current: $375.6M · Tier avg: $183.7M
98
98th pctile
Loan-to-Deposit Ratio
Current: 113.95% · Tier avg: 74.53%
100
100th pctile
Total Assets
Current: $496.9M · Tier avg: $217.5M
100
100th pctile
Total Loans
Current: $428.0M · Tier avg: $139.2M