BlastPoint's Banking Scorecard
Illini State Bank
Oglesby, IL
3 branches across IL
Illini State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.82% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Net Interest Margin 0.85% below tier average
- - Delinquency Rate 1.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$171.4M
+2.5% YoY
-0.6% QoQ
|
-$214.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$105.7M
-1.8% YoY
-1.5% QoQ
|
-$150.0M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$123.8M
-2.2% YoY
+0.3% QoQ
|
-$204.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.0% in tier |
| Return on Assets ? |
1.11%
+45.8% YoY
+7.0% QoQ
|
-0.16% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.08%
+24.1% YoY
+13.6% QoQ
|
-0.85% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.6% in tier |
| Efficiency Ratio ? |
54.46%
-16.8% YoY
-7.1% QoQ
|
-10.82% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
1.94%
-9.8% YoY
-0.8% QoQ
|
+1.06% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.1% in tier |
| Loan-to-Deposit Ratio ? |
85.33%
+0.4% YoY
-1.8% QoQ
|
+8.69% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
20.72%
+4.1% YoY
+9.2% QoQ
|
-1.30% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
48% |
| Nonperforming Asset Ratio ? |
1.20%
-13.5% YoY
-1.7% QoQ
|
+0.56% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
14.02%
+5.1% YoY
+2.2% QoQ
|
-1.81% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.04%
+15.3% YoY
-68.4% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.3% 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.