BlastPoint's Banking Scorecard
Ipava State Bank
Lewistown, IL
7 branches across IL · FL
Ipava State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 46.0% in tier
- + ROA 0.16% above tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 2.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$215.1M
+5.8% YoY
-1.3% QoQ
|
-$171.0M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$135.7M
-1.9% YoY
-5.8% QoQ
|
-$120.0M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$183.0M
+1.5% YoY
+3.7% QoQ
|
-$144.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.43%
+34.8% YoY
+35.0% QoQ
|
+0.16% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
3.97%
+7.0% YoY
+1.3% QoQ
|
+0.04% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
55% |
| Efficiency Ratio ? |
67.57%
-8.1% YoY
-9.3% QoQ
|
+2.29% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.02%
-90.6% YoY
-95.4% QoQ
|
-0.87% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
74.15%
-3.3% YoY
-9.2% QoQ
|
-2.49% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
20.18%
-7.1% YoY
+4.9% QoQ
|
-1.84% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.01%
-91.3% YoY
-95.6% QoQ
|
-0.63% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 14.2% in tier |
| Tier 1 Capital Ratio ? |
15.19%
+5.9% YoY
+10.3% QoQ
|
-0.64% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.23%
+4.8% YoY
-70.3% QoQ
|
-0.05% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 10.4% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.