BlastPoint's Banking Scorecard
Raritan State Bank
Raritan, IL
3 branches across IL
Raritan State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.28% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Net Interest Margin 0.64% below tier average
- - Delinquency Rate 1.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.4M
+2.5% YoY
+2.4% QoQ
|
-$130.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$185.4M
+10.9% YoY
+2.9% QoQ
|
-$70.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$225.3M
+1.4% YoY
+2.4% QoQ
|
-$102.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
0.98%
-5.8% YoY
+1.5% QoQ
|
-0.29% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.30%
+7.7% YoY
+0.3% QoQ
|
-0.64% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
61.00%
+8.3% YoY
+9.9% QoQ
|
-4.28% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
1.97%
+32.3% YoY
+66.5% QoQ
|
+1.08% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.8% in tier |
| Loan-to-Deposit Ratio ? |
82.30%
+9.4% YoY
+0.5% QoQ
|
+5.66% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
16.20%
+5.6% YoY
-3.0% QoQ
|
-5.82% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.58%
+57.5% YoY
+63.7% QoQ
|
+0.94% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.6% in tier |
| Tier 1 Capital Ratio ? |
11.44%
+4.6% YoY
-0.2% QoQ
|
-4.39% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.05%
-0.0% YoY
-77.4% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
19% |
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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)
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Metric Rankings
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