Blackhawk Bank & Trust
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
$2.0BAssets
$1.3BLoans
$1.6BDeposits
$194.9MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of banks $1B-$10B in assets operating regionally (rank 12 of 176).
- Widest gap: total risk-based capital ratio trails 89% of banks $1B-$10B in assets operating regionally (rank 157 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $25.4M · efficiency ratio beats 90% of banks $1B-$10B in assets operating regionally | 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 |