BlastPoint's Banking Scorecard
Camp Grove State Bank
Designations: ✓ Community bank
Camp Grove, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -16.1% year over year ($37.6M on the books).
- Delinquency rate 0.00%.
- Return on assets -0.65%.
- Efficiency ratio 127.37% vs a 119.40% peer average.
- Loan-to-deposit ratio 46.01% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Camp Grove State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.65% below tier average
- - Efficiency Ratio 7.97% above tier average
- - Non-Interest-Bearing Deposit Share 19.63% below tier average
- - Non-Interest Income / Assets 1.37% below tier average
- - Net Interest Margin 0.95% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.1M
-8.9% YoY
-1.3% QoQ
|
-$9.4M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$17.3M
+37.1% YoY
+15.5% QoQ
|
-$17.6M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$37.6M
-16.1% YoY
-1.4% QoQ
|
-$14.0M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
-0.65%
-460.6% YoY
+9.1% QoQ
|
-1.65% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 8.0% in tier |
| Net Interest Margin ? |
2.97%
+6.2% YoY
+3.1% QoQ
|
-0.95% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio ? |
127.37%
+33.2% YoY
-1.5% QoQ
|
+7.97% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
46.01%
+63.5% YoY
+17.2% QoQ
|
-28.20% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
3.86%
+1.6% YoY
-13.1% QoQ
|
-19.63% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.1% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-24.9% YoY
-17.7% QoQ
|
-0.81% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
10.49%
+11.2% YoY
+2.7% QoQ
|
-16.64% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.1% in tier |
| Non-Interest Income / Assets ? |
0.02%
+339.2% YoY
+102.6% QoQ
|
-1.37% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
3.9%
+0.1pp YoY -0.6pp QoQ |
-20.8pp | 24.6% | 20.1% | 22.2% | 4% |
| Brokered Deposits |
5.3%
-4.1pp YoY +4.6pp QoQ |
-4.5pp | 9.8% | 8.0% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
33.3%
+11.6pp YoY -2.2pp QoQ |
+19.9pp | 13.4% | 14.7% | 12.5% | 94% |
| CRE |
23.5%
-4.6pp YoY -5.2pp QoQ |
-1.7pp | 25.2% | 37.9% | 41.4% | 59% |
| 1-4 Family |
26.5%
+17.0pp YoY +18.2pp QoQ |
-8.5pp | 35.0% | 28.3% | 31.3% | 45% |
| Consumer |
1.5%
-1.6pp YoY -0.4pp QoQ |
-6.2pp | 7.7% | 5.4% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
10.5%
+1.1pp YoY +0.3pp QoQ |
-7.2pp | 17.7% | 12.2% | 12.6% | 24% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
+3 (+60.0%) YoY 0 QoQ |
-4 | 12 | 228 | 482 | 29% |
| Assets per Employee ($) |
$6.6M
-43.1% YoY -1.3% QoQ |
+$447K | $6.2M | $8.3M | $8.8M | 60% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-5.8%
-7.5pp YoY +0.6pp QoQ |
-12.2pp | 6.4% | 10.5% | 11.6% | 7% |
| Cost of Funds (YTD) |
3.0%
-0.3pp YoY +0.1pp QoQ |
+1.6pp | 1.4% | 1.6% | 1.7% | 99% |
| Net Income ($, YTD) |
$-179000.0
-431.5% YoY — QoQ |
-$497K | $317,817 | $11.7M | $40.4M | 7% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.