BlastPoint's Banking Scorecard

State Bank of Industry

under $100M Specialty: Agricultural IL FDIC cert 10820

Designations: ✓ Community bank

Industry, IL

537 banks in the under $100M peer group nationally 61 in IL

State Bank of Industry has 3 strengths but faces 1 concern

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 0.44% above tier average
+ Efficiency Ratio 28.19% below tier average
+ Delinquency Rate 1.06% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.57% below tier average

Get updates when State Bank of Industry releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$67.1M -0.6% YoY +7.5% QoQ	+$4.8M	$62.3M -0.5% YoY	$2.3B +4.2% YoY	$6.2B +9.0% YoY	53%
Total Loans ?	$38.4M +5.3% YoY -3.4% QoQ	+$4.1M	$34.3M -1.5% YoY	$1.2B +5.0% YoY	$3.2B +10.7% YoY	60%
Total Deposits ?	$58.4M -2.0% YoY +8.4% QoQ	+$6.5M	$51.8M -0.6% YoY	$1.9B +3.6% YoY	$4.8B +8.0% YoY	56%
Return on Assets ?	1.29% +6.8% YoY +15.2% QoQ	+0.44%	0.86% -3.6% YoY	1.04% +2.4% YoY	1.24% +13.1% YoY	67%
Net Interest Margin ?	3.30% +10.6% YoY +5.5% QoQ	-0.57%	3.87% +2.7% YoY	3.61% +7.3% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	59.44% +0.8% YoY -8.1% QoQ	-28.19%	87.63% +2.3% YoY	63.68% -7.1% YoY	66.84% -3.8% YoY	74%
Delinquency Rate ?	0.30% +221.1% YoY -66.3% QoQ	-1.06%	1.36% +33.7% YoY	1.15% +15.2% YoY	0.95% +18.8% YoY	53%
Loan-to-Deposit Ratio ?	65.76% +7.5% YoY -10.8% QoQ	+1.65%	64.11% -0.9% YoY	71.92% +0.7% YoY	76.69% +0.9% YoY	50%
Non-Interest-Bearing Deposit Share ?	9.23% -8.4% YoY -18.4% QoQ	-14.56%	23.79% +0.5% YoY	20.45% -1.0% YoY	22.01% -1.1% YoY	Bottom 13.8% in tier
Nonperforming Asset Ratio ?	0.17% +240.1% YoY -69.7% QoQ	-0.60%	0.77% +28.7% YoY	0.78% +18.6% YoY	0.66% +19.3% YoY	54%
Tier 1 Capital Ratio ?	13.96% +2.3% YoY -4.2% QoQ	-12.82%	26.77% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.03% -21.3% YoY -85.2% QoQ	-0.64%	0.67% +1.6% YoY	0.34% +6.6% YoY	0.32% +4.0% YoY	20%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

464

Non-Interest-Bearing Deposit Share

funding

Value: 9.23%

Peer Median: 23.79%

#464 of 537 Bottom 13.8% in under $100M

428

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#428 of 537 Bottom 20.5% in under $100M

406

Net Interest Margin

profitability

Value: 3.30%

Peer Median: 3.87%

#406 of 537 Bottom 24.6% in under $100M