BlastPoint's Banking Scorecard
Old Plank Trail Community Bank, National Association
Community
Specialty: Commercial
IL
FDIC cert 58314
New Lenox, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Old Plank Trail Community Bank, National Association faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 52% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.3B
+13.7% YoY
+0.5% QoQ
|
+$1.9B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$2.3B
+10.3% YoY
+0.4% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$2.8B
+11.6% YoY
-1.5% QoQ
|
+$1.7B |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.16%
+16.8% YoY
-2.6% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.26%
+0.9% YoY
-0.2% QoQ
|
-0.41% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
48.28%
-8.4% YoY
+0.5% QoQ
|
-14.36% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.52%
+26.7% YoY
+23.2% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
82.66%
-1.1% YoY
+2.0% QoQ
|
-0.40% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
15.79%
-15.8% YoY
+1.8% QoQ
|
-5.25% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.38%
+16.4% YoY
+22.7% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
11.04%
+4.3% YoY
+2.5% QoQ
|
+0.80% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.26%
-1.3% YoY
+27.8% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
NIB Deposit Bleed
decline
#47 of 89 · Bottom 52% 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:
15.79%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
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
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B
93
93th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
87
87th pctile
Efficiency Ratio
Current: 48.28% · Tier avg: 62.63%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.66% · Tier avg: 83.06%
53
53th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.04% · Tier avg: 10.24%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.79% · Tier avg: 21.05%
28
28th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.66%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
Top Weaknesses
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
28
28th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.66%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 15.79% · Tier avg: 21.05%
37
37th pctile
Tier 1 Capital Ratio
Current: 11.04% · Tier avg: 10.24%
45
45th pctile
Delinquency Rate
Current: 0.52% · Tier avg: 0.63%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
53
53th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.66% · Tier avg: 83.06%
87
87th pctile
Efficiency Ratio
Current: 48.28% · Tier avg: 62.63%
93
93th pctile
Total Loans
Current: $2.3B · Tier avg: $975.5M
93
93th pctile
Total Assets
Current: $3.3B · Tier avg: $1.4B
94
94th pctile
Total Deposits
Current: $2.8B · Tier avg: $1.2B