BlastPoint's Banking Scorecard
Illini State Bank
Oglesby, IL
3 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 -2.4% year over year ($124.5M on the books).
- Delinquency rate 1.89%.
- Return on assets 1.26%.
- Efficiency ratio 51.91% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Illini State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.57% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
- - ROA 0.06% below tier average
- - Net Interest Margin 0.79% below tier average
- - Delinquency Rate 0.97% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$171.9M
+1.4% YoY
+0.3% QoQ
|
-$214.7M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$106.4M
+0.9% YoY
+0.7% QoQ
|
-$151.9M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$124.5M
-2.4% YoY
+0.5% QoQ
|
-$202.2M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.5% in tier |
| Return on Assets ? |
1.26%
+28.2% YoY
+13.7% QoQ
|
-0.06% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
3.20%
+22.2% YoY
+3.9% QoQ
|
-0.79% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
51.91%
-11.9% YoY
-4.7% QoQ
|
-12.57% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
1.89%
-20.7% YoY
-2.9% QoQ
|
+0.97% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.8% in tier |
| Loan-to-Deposit Ratio ? |
85.51%
+3.4% YoY
+0.2% QoQ
|
+7.56% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
21.90%
+13.5% YoY
+5.7% QoQ
|
-0.13% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
1.17%
-21.1% YoY
-2.5% QoQ
|
+0.50% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
14.42%
+2.7% YoY
+2.9% QoQ
|
-1.49% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.07%
+10.5% YoY
+71.8% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.7% 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 |
21.9%
+2.6pp YoY +1.2pp QoQ |
-0.2pp | 22.1% | 20.1% | 22.2% | 54% |
| Brokered Deposits |
13.7%
-1.6pp YoY -0.1pp QoQ |
+5.8pp | 7.9% | 8.0% | 8.5% | 84% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.2%
-0.1pp YoY -0.1pp QoQ |
-6.4pp | 11.6% | 14.7% | 12.5% | 21% |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
19.3%
-0.4pp YoY -0.8pp QoQ |
-13.4pp | 32.6% | 28.3% | 31.3% | 28% |
| Consumer |
0.9%
0.0pp YoY 0.0pp QoQ |
-3.3pp | 4.1% | 5.4% | 5.0% | 25% |
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 |
14.4%
+0.4pp YoY +0.4pp QoQ |
+2.3pp | 12.2% | 12.2% | 12.6% | 84% |
| 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 |
19
0 YoY 0 QoQ |
-40 | 58 | 228 | 482 | 9% |
| Assets per Employee ($) |
$9.0M
+1.4% YoY +0.3% QoQ |
+$1.5M | $7.5M | $8.3M | $8.8M | 80% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.9%
-0.1pp YoY -0.1pp QoQ |
+0.9pp | 0.9% | 1.1% | 1.0% | 86% |
| Allowance Coverage |
0.61x
+50.5% YoY +10.3% QoQ |
-23.54x | 24.15x | 5.62x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 62% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.0%
+1.2pp YoY +1.0pp QoQ |
-3.2pp | 12.2% | 10.5% | 11.6% | 31% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 62% |
| Net Income ($, YTD) |
$1.1M
+31.1% YoY — QoQ |
-$1.5M | $2.6M | $11.7M | $40.4M | 29% |
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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.