BlastPoint's Banking Scorecard
State Bank of Graymont
Graymont, IL
5 branches across IL
State Bank of Graymont has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.09% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 33.2% in tier
- - Credit Risk Growth: Bottom 42.0% in tier
- - Net Interest Margin 1.01% below tier average
- - Nonperforming Asset Ratio 1.59% above tier average
- - ROA 0.32% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$323.1M
+0.1% YoY
+0.0% QoQ
|
-$63.0M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$186.0M
+3.5% YoY
+0.4% QoQ
|
-$69.7M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$281.6M
-1.3% YoY
-0.2% QoQ
|
-$46.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
0.95%
+15.8% YoY
+46.5% QoQ
|
-0.32% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
2.92%
+10.6% YoY
+13.5% QoQ
|
-1.01% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio ? |
60.19%
-4.0% YoY
-13.2% QoQ
|
-5.09% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
3.87%
+19.8% YoY
+0.5% QoQ
|
+2.98% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.5% in tier |
| Loan-to-Deposit Ratio ? |
66.06%
+4.9% YoY
+0.6% QoQ
|
-10.57% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
16.99%
+8.6% YoY
-9.9% QoQ
|
-5.03% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
2.23%
+24.0% YoY
+0.9% QoQ
|
+1.59% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.3% in tier |
| Tier 1 Capital Ratio ? |
11.36%
+5.0% YoY
-1.2% QoQ
|
-4.47% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.14%
+1.8% YoY
-72.0% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
69% |
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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 (0)
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.