BlastPoint's Banking Scorecard
Community Bank
Winslow, IL
4 branches across IL
Community Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.85% below tier average
- + ROA 0.30% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 5.8% in tier
- - Net Interest Margin 1.02% below tier average
- - Non-Interest-Bearing Deposit Share 16.64% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Delinquency Rate 0.51% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$304.1M
+5.8% YoY
+1.8% QoQ
|
-$82.0M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$210.3M
+9.2% YoY
+1.7% QoQ
|
-$45.4M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$201.1M
+3.1% YoY
+3.0% QoQ
|
-$126.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
1.57%
+11.1% YoY
+10.2% QoQ
|
+0.30% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
2.91%
+4.0% YoY
+0.6% QoQ
|
-1.02% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.7% in tier |
| Efficiency Ratio ? |
44.43%
-10.2% YoY
-12.3% QoQ
|
-20.85% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 8.3% in tier |
| Delinquency Rate ? |
1.40%
-8.6% YoY
-1.6% QoQ
|
+0.51% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
104.58%
+6.0% YoY
-1.3% QoQ
|
+27.94% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.38%
+17.3% YoY
+9.0% QoQ
|
-16.64% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.9% in tier |
| Nonperforming Asset Ratio ? |
0.96%
-5.7% YoY
-1.7% QoQ
|
+0.33% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
24.26%
-2.8% YoY
-0.9% QoQ
|
+8.43% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 7.3% in tier |
| Non-Interest Income / Assets ? |
0.03%
-7.4% YoY
-74.6% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.3% 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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.