BlastPoint's Banking Scorecard
First State Bank of Campbell Hill
Campbell Hill, IL
3 branches across IL
First State Bank of Campbell Hill has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.33% above tier average
- + Efficiency Ratio 12.06% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 34.5% in tier
- - Delinquency Rate 0.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$161.0M
+0.7% YoY
+0.6% QoQ
|
-$225.1M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$104.6M
-0.0% YoY
+0.4% QoQ
|
-$151.1M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$138.1M
-0.6% YoY
+0.2% QoQ
|
-$189.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.53%
+2.3% YoY
+1.5% QoQ
|
+0.26% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
4.26%
+10.0% YoY
+3.9% QoQ
|
+0.33% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
53.22%
+5.3% YoY
+2.4% QoQ
|
-12.06% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
1.50%
+752.0% YoY
-4.8% QoQ
|
+0.61% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
75.71%
+0.5% YoY
+0.2% QoQ
|
-0.92% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
19.15%
-1.1% YoY
-0.3% QoQ
|
-2.87% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
41% |
| Nonperforming Asset Ratio ? |
1.07%
+498.2% YoY
-1.5% QoQ
|
+0.43% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
21.56%
+1.1% YoY
+0.9% QoQ
|
+5.73% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Top 10.7% in tier |
| Non-Interest Income / Assets ? |
0.10%
-11.6% YoY
-76.0% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
49% |
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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.