BlastPoint's Banking Scorecard

First State Bank of Campbell Hill

$100M-$1B Specialty: Other IL FDIC cert 10799

Campbell Hill, 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 -0.6% year over year ($136.8M on the books).
Delinquency rate 1.61%.
Return on assets 1.62%.
Efficiency ratio 50.39% vs a 64.48% peer average.
Loan-to-deposit ratio 77.53% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

First State Bank of Campbell Hill has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.30% above tier average
+ Net Interest Margin 0.35% above tier average
+ Efficiency Ratio 14.09% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 33.0% in tier
- Delinquency Rate 0.69% above tier average

Get updates when First State Bank of Campbell Hill releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$160.1M +0.6% YoY -0.6% QoQ	-$226.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	17%
Total Loans ?	$106.1M +1.8% YoY +1.4% QoQ	-$152.3M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	21%
Total Deposits ?	$136.8M -0.6% YoY -1.0% QoQ	-$189.9M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	1.62% +8.4% YoY +6.4% QoQ	+0.30%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	4.33% +9.1% YoY +1.7% QoQ	+0.35%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	50.39% -0.1% YoY -5.3% QoQ	-14.09%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	1.61% +301.6% YoY +7.3% QoQ	+0.69%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	17%
Loan-to-Deposit Ratio ?	77.53% +2.5% YoY +2.4% QoQ	-0.42%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	54%
Non-Interest-Bearing Deposit Share ?	18.03% -0.7% YoY -5.8% QoQ	-4.00%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	1.16% +256.6% YoY +8.6% QoQ	+0.49%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	21.75% +2.6% YoY +0.9% QoQ	+5.84%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Top 10.8% in tier
Non-Interest Income / Assets ?	0.20% -0.3% YoY +109.0% QoQ	-0.37%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	49%

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	18.0% -0.1pp YoY -1.1pp QoQ	-4.1pp	22.1%	20.1%	22.2%	36%
Brokered Deposits	n/a	n/a	7.9%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	14.2% -0.7pp YoY -1.1pp QoQ	+2.6pp	11.6%	14.7%	12.5%	73%
CRE	20.3% +2.8pp YoY +1.7pp QoQ	-19.2pp	39.5%	37.9%	41.4%	19%
1-4 Family	38.1% -0.9pp YoY -0.7pp QoQ	+5.5pp	32.6%	28.3%	31.3%	67%
Consumer	4.8% -0.2pp YoY -0.1pp QoQ	+0.7pp	4.1%	5.4%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	21.8% +0.6pp YoY +0.2pp QoQ	+2.9pp	18.8%	19.9%	19.7%	82%
Leverage Ratio	13.8% +0.6pp YoY +0.3pp QoQ	+1.6pp	12.2%	12.2%	12.6%	80%
Total Capital Ratio	22.8% +0.5pp YoY +0.2pp QoQ	+2.8pp	19.9%	20.9%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	27 -2 (-6.9%) YoY -2 (-6.9%) QoQ	-32	58	228	482	22%
Assets per Employee ($)	$5.9M +8.1% YoY +6.8% QoQ	-$1.6M	$7.5M	$8.3M	$8.8M	32%
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	1.4% +1.3pp YoY +0.2pp QoQ	+1.1pp	0.3%	0.4%	0.4%	95%
Nonaccrual	0.2% 0.0pp YoY -0.1pp QoQ	-0.8pp	0.9%	1.1%	1.0%	27%
Allowance Coverage	0.57x -75.4% YoY -6.9% QoQ	-23.58x	24.15x	5.62x	20.23x	13%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	51%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	12.5% -0.1pp YoY +0.6pp QoQ	+0.3pp	12.2%	10.5%	11.6%	53%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	16%
Net Income ($, YTD)	$1.3M +9.0% YoY — QoQ	-$1.3M	$2.6M	$11.7M	$40.4M	36%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#246 of 742 • Bottom 33.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.75%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 77.53%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

286

Tier 1 Capital Ratio

capital

Value: 21.75%

Peer Median: 15.91%

#286 of 2643 Top 10.8% in $100M-$1B

470

Efficiency Ratio

profitability

Value: 50.39%

Peer Median: 64.48%

#470 of 2643 Top 17.7% in $100M-$1B

Top Weaknesses (5 metrics)

2193

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.67%

#2193 of 2643 Bottom 17.1% in $100M-$1B

2193

Total Assets

size

Value: $160.07M

Peer Median: $386.57M

#2193 of 2643 Bottom 17.1% in $100M-$1B

2180

Delinquency Rate

credit_quality

Value: 1.61%

Peer Median: 0.92%

#2180 of 2633 Bottom 17.2% in $100M-$1B

2186

Total Deposits

size

Value: $136.81M

Peer Median: $326.73M

#2186 of 2643 Bottom 17.3% in $100M-$1B

2095

Total Loans

size

Value: $106.07M

Peer Median: $258.35M

#2095 of 2643 Bottom 20.8% in $100M-$1B