Milan, IL · Cert 18402 · Blackhawk Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
19
Asset Quality
66
Profitability
60
Liquidity
38
Efficiency
90
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Milan, IL · Cert 18402 · Blackhawk Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Davenport-Moline-Rock Island, IA-IL · 2026 SOD (annual) · 15.2% share · #2 of 29 inst. · $1.6B of $10.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.63% | 0.67% | 0.83% | 0.91% | 0.98% | 1.06% | 1.33% | 1.55% | +63 bps | |
| Return on Equity | 7.42% | 7.85% | 9.40% | 10.21% | 10.66% | 11.43% | 13.65% | 15.95% | +574 bps | |
| Net Interest Margin | 1.77% | 1.89% | 2.31% | 2.39% | 2.55% | 2.65% | 3.10% | 3.24% | +85 bps | |
| Efficiency Ratio | 69.62% | 67.30% | 60.55% | 58.87% | 57.17% | 55.39% | 49.42% | 45.83% | -1,304 bps | |
| Non-Interest Burden | 1.14% | 1.17% | 1.29% | 1.28% | 1.32% | 1.33% | 1.36% | 1.26% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.36% | -2.15% | 3.93% | 1.69% | 2.54% | 3.40% | 1.96% | 9.13% | +744 bps | |
| Loan Growth (YoY) | 17.37% | 16.43% | 18.37% | 16.41% | 11.50% | 11.10% | 8.04% | 9.59% | -682 bps | |
| Deposit Growth (YoY) | 6.48% | 9.61% | 10.07% | 10.92% | 14.18% | 15.12% | 12.76% | 8.08% | -284 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.30% | 0.28% | 0.35% | 0.36% | 0.44% | 0.33% | 0.10% | 0.09% | -27 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.03% | 0.03% | 0.02% | 0.02% | 0.01% | 0.22% | 0.11% | +8 bps | |
| Allowance / Loans | 0.96% | 0.97% | 0.94% | 0.95% | 0.96% | 0.96% | 0.92% | 1.01% | +6 bps | |
| Allowance Coverage of NPLs | 3.2x | 3.5x | 2.7x | 2.7x | 2.2x | 2.9x | 9.6x | 11.0x | +8.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.10% | 10.24% | 10.09% | 10.00% | 10.48% | 10.46% | 10.78% | 10.54% | +54 bps | |
| Total Risk-Based Capital | 10.10% | 10.24% | 10.09% | 10.00% | 10.48% | 10.46% | 10.78% | 10.54% | +54 bps | |
| Equity / Assets | 9.20% | 8.74% | 8.90% | 9.25% | 9.73% | 9.76% | 9.74% | 9.57% | +31 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 78.21% | 79.02% | 82.00% | 78.03% | 76.37% | 76.26% | 78.56% | 79.12% | +109 bps | |
| Liquid Assets / Assets | 1.36% | 1.58% | 1.61% | 1.83% | 2.58% | 2.15% | 1.61% | 1.57% | -26 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 385% | 388% | 377% | n/a | n/a | |
Milan, IL · Cert 18402 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Blackhawk Bcorp Inc.
State charter, non-member · FDIC · 19 branches
Q2 2026
Return on Assets
1.49%
Rank 49 of 176
Net Interest Margin
3.24%
Rank 134 of 176
Efficiency Ratio
46.08%
Rank 18 of 176
Equity / Assets
9.57%
Rank 119 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.49% | 0.93% | 1.26% | 1.54% | Beats 72% | 49 / 176 | ||
| Return on Equity | 15.60% | 9.26% | 11.89% | 14.46% | Beats 83% | 30 / 176 | ||
| Net Interest Margin | 3.24% | 3.25% | 3.59% | 3.93% | Beats 24% | 134 / 176 | ||
| Efficiency Ratio | 46.08% | 52.79% | 59.55% | 67.66% | Beats 90% | 18 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.09% | 0.30% | 0.64% | 1.32% | Beats 94% | 12 / 176 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 37% | 111 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.54% | 11.15% | 12.72% | 14.15% | Beats 15% | 149 / 176 | ||
| Total Risk-Based Capital Ratio | 10.54% | 11.81% | 13.63% | 15.33% | Beats 11% | 157 / 176 | ||
| Equity / Assets | 9.57% | 9.16% | 10.35% | 11.80% | Beats 32% | 119 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.12% | 80.94% | 89.73% | 97.21% | 19th pctl | 143 / 176 | ||
| Loans / Assets | 62.24% | 69.25% | 75.12% | 80.82% | 10th pctl | 158 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||