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State Bank of Graymont

$100M-$1B Specialty: Agricultural IL FDIC cert 10434

Graymont, IL

5 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -3.4% year over year ($270.8M on the books).
  • Delinquency rate 3.65%.
  • Return on assets 1.00%.
  • Efficiency ratio 61.27% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

State Bank of Graymont has 1 strength but faces 6 concerns

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

  • + Efficiency Ratio 3.21% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 14.9% in tier
  • - Deposit Outflow: Bottom 46.2% in tier
  • - Delinquency Rate 2.73% above tier average
  • - Nonperforming Asset Ratio 1.60% above tier average
  • - ROA 0.32% below tier average
  • - Net Interest Margin 0.97% below tier average
Get updates when State Bank of Graymont releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $312.7M
-1.8% YoY -3.2% QoQ
-$73.9M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $194.4M
+5.3% YoY +4.5% QoQ
-$63.9M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $270.8M
-3.4% YoY -3.8% QoQ
-$55.9M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 1.00%
+92.5% YoY +5.7% QoQ
-0.32% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 3.01%
+29.5% YoY +3.2% QoQ
-0.97% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 10.3% in tier
Efficiency Ratio ? 61.27%
-18.0% YoY +1.8% QoQ
-3.21% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
53%
Delinquency Rate ? 3.65%
-7.6% YoY -5.7% QoQ
+2.73% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 4.2% in tier
Loan-to-Deposit Ratio ? 71.78%
+9.0% YoY +8.7% QoQ
-6.17% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 16.24%
+4.1% YoY -4.4% QoQ
-5.79% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
28%
Nonperforming Asset Ratio ? 2.27%
-0.9% YoY +1.9% QoQ
+1.60% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 5.6% in tier
Tier 1 Capital Ratio ? 11.77%
+7.1% YoY +3.6% QoQ
-4.14% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.31%
+26.8% YoY +128.9% QoQ
-0.26% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 16.2%
+0.6pp YoY
-0.7pp QoQ
 -5.9pp 22.1% 20.1% 22.2% 28%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 10.1%
+4.0pp YoY
+3.8pp QoQ
 -1.5pp 11.6% 14.7% 12.5% 53%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 8.0%
-1.6pp YoY
-1.0pp QoQ
 -24.6pp 32.6% 28.3% 31.3% 8%
Consumer 1.4%
-0.5pp YoY
-0.1pp QoQ
 -2.7pp 4.1% 5.4% 5.0% 38%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 11.8%
+0.8pp YoY
+0.4pp QoQ
 -0.4pp 12.2% 12.2% 12.6% 62%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 43
-4 (-8.5%) YoY
0 QoQ
 -16 58 228 482 45%
Assets per Employee ($) $7.3M
+7.4% YoY
-3.2% QoQ
 -$246K $7.5M $8.3M $8.8M 57%
Branch Count 5
0 YoY
0 QoQ
 0 4 10 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 3.7%
-0.3pp YoY
-0.2pp QoQ
 +2.7pp 0.9% 1.1% 1.0% 96%
Allowance Coverage 0.33x
+5.6% YoY
+4.0% QoQ
 -23.82x 24.15x 5.62x 20.23x 4%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 14%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 8.7%
+3.7pp YoY
+0.3pp QoQ
 -3.5pp 12.2% 10.5% 11.6% 29%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 49%
Net Income ($, YTD) $1.6M
+92.5% YoY
— QoQ
 -$953K $2.6M $11.7M $40.4M 44%

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 (2)

Flatlined Growth

risk
#80 of 529 • Bottom 14.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.00%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#248 of 535 • Bottom 46.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2524
Delinquency Rate
credit_quality
Value: 3.65%
Peer Median: 0.92%
#2524 of 2633 Bottom 4.2% in $100M-$1B
2496
Nonperforming Asset Ratio
credit_quality
Value: 2.27%
Peer Median: 0.67%
#2496 of 2643 Bottom 5.6% in $100M-$1B
2372
Net Interest Margin
profitability
Value: 3.01%
Peer Median: 3.99%
#2372 of 2643 Bottom 10.3% in $100M-$1B
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