BlastPoint's Banking Scorecard
FWBank
Micro
Specialty: Commercial
IL
FDIC cert 59195
Designations: ✓ Community bank
Chicago, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
FWBank shows strong momentum with 3 strengths and 11.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.19% above tier
- + Net Interest Margin 1.17% above tier
- + Non-Interest Income / Assets 1.27% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.7M
+11.6% YoY
+0.4% QoQ
|
-$25.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$129.3M
+3.6% YoY
-2.2% QoQ
|
-$9.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$162.8M
+9.4% YoY
+2.2% QoQ
|
-$20.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
2.27%
+181.9% YoY
+56.0% QoQ
|
+1.19% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.03%
-7.3% YoY
+0.6% QoQ
|
+1.17% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
76.65%
+8.9% YoY
+2.6% QoQ
|
+8.92% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.78%
-49.6% YoY
-44.9% QoQ
|
+0.14% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
79.42%
-5.3% YoY
-4.4% QoQ
|
+4.89% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
24.64%
+11.4% YoY
+8.9% QoQ
|
+2.24% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.52%
-53.3% YoY
-46.4% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.83%
+10.6% YoY
+28.2% QoQ
|
+1.27% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.27%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.03%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.83%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
97
97th pctile
Non-Interest Income / Assets
Current: 1.83% · Tier avg: 0.56%
94
94th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.08%
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.64% · Tier avg: 22.39%
53
53th pctile
Total Loans
Current: $129.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Assets
Current: $191.7M · Tier avg: $217.5M
49
49th pctile
Total Deposits
Current: $162.8M · Tier avg: $183.7M
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.42% · Tier avg: 74.53%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.64%
26
26th pctile
Efficiency Ratio
Current: 76.65% · Tier avg: 67.73%
Top Weaknesses
26
26th pctile
Efficiency Ratio
Current: 76.65% · Tier avg: 67.73%
35
35th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.64%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.42% · Tier avg: 74.53%
49
49th pctile
Total Deposits
Current: $162.8M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $191.7M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $129.3M · Tier avg: $139.2M
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.64% · Tier avg: 22.39%
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
94
94th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.08%
97
97th pctile
Non-Interest Income / Assets
Current: 1.83% · Tier avg: 0.56%