BlastPoint's Banking Scorecard

Peoples State Bank of Colfax

under $100M Specialty: Agricultural IL FDIC cert 10075

Designations: ✓ Community bank

Colfax, IL

541 banks in the under $100M peer group nationally 61 in IL

Peoples State Bank of Colfax shows strong momentum with 4 strengths and 8.5% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.54% above tier average
+ Efficiency Ratio 33.10% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$47.0M +8.5% YoY +0.2% QoQ	-$15.1M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$18.9M -6.2% YoY -5.0% QoQ	-$15.4M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$41.2M +8.4% YoY -0.1% QoQ	-$10.6M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	1.37% +1.6% YoY -7.9% QoQ	+0.54%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	3.90% +3.0% YoY +0.7% QoQ	+0.04%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	55.24% +3.3% YoY +4.0% QoQ	-33.10%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	45.83% -13.4% YoY -4.8% QoQ	-18.39%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	18.21% +16.8% YoY +8.8% QoQ	-5.51%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.26% -2.5% YoY +3.1% QoQ	-15.42%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.03% -14.0% YoY -92.4% QoQ	-0.64%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Efficiency Ratio

profitability

Value: 55.24%

Peer Median: 88.34%

#84 of 541 Top 15.3% in under $100M

Top Weaknesses (2 metrics)

458

Tier 1 Capital Ratio

capital

Value: 11.26%

Peer Median: 26.68%

#458 of 541 Bottom 15.5% in under $100M

419

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#419 of 541 Bottom 22.7% in under $100M