BlastPoint's Banking Scorecard
State Bank of Industry
Designations: ✓ Community bank
Industry, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -5.3% year over year ($55.6M on the books).
- Delinquency rate 0.45%.
- Return on assets 1.23%.
- Efficiency ratio 62.57% vs a 119.40% peer average.
- Loan-to-deposit ratio 68.03% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Industry has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Efficiency Ratio 56.83% below tier average
- + Delinquency Rate 1.03% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.61% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.3M
-3.2% YoY
-4.0% QoQ
|
+$1.9M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$37.8M
+1.4% YoY
-1.5% QoQ
|
+$2.9M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
59% |
| Total Deposits ? |
$55.6M
-5.3% YoY
-4.8% QoQ
|
+$4.0M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
1.23%
+10.7% YoY
-4.8% QoQ
|
+0.23% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
3.31%
+9.3% YoY
+0.1% QoQ
|
-0.61% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
62.57%
-1.6% YoY
+5.3% QoQ
|
-56.83% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
0.45%
+6.9% YoY
+49.2% QoQ
|
-1.03% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
68.03%
+7.1% YoY
+3.5% QoQ
|
-6.18% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
11.52%
+7.1% YoY
+24.8% QoQ
|
-11.97% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.26%
+12.0% YoY
+53.2% QoQ
|
-0.57% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
14.21%
+5.6% YoY
+1.8% QoQ
|
-12.92% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.08%
-7.9% YoY
+183.7% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
30% |
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 |
11.5%
+0.8pp YoY +2.3pp QoQ |
-13.1pp | 24.6% | 20.1% | 22.2% | 13% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
14.9%
+3.3pp YoY +1.9pp QoQ |
+1.5pp | 13.4% | 14.7% | 12.5% | 68% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
11.7%
-2.1pp YoY +0.5pp QoQ |
-23.3pp | 35.0% | 28.3% | 31.3% | 24% |
| Consumer |
5.8%
-0.5pp YoY +0.2pp QoQ |
-1.9pp | 7.7% | 5.4% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
14.2%
+0.8pp YoY +0.3pp QoQ |
-3.5pp | 17.7% | 12.2% | 12.6% | 64% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 228 | 482 | 20% |
| Assets per Employee ($) |
$9.2M
-3.2% YoY -4.0% QoQ |
+$3.0M | $6.2M | $8.3M | $8.8M | 89% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.3pp YoY +0.1pp QoQ |
-0.8pp | 1.0% | 0.4% | 0.4% | 31% |
| Nonaccrual |
0.3%
0.0pp QoQ |
-1.4pp | 1.7% | 1.1% | 1.0% | 31% |
| Allowance Coverage |
2.81x
-12.7% YoY -33.2% QoQ |
-3.60x | 6.41x | 5.62x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
-0.2pp YoY -0.6pp QoQ |
+3.1pp | 6.4% | 10.5% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.6% | 1.7% | 78% |
| Net Income ($, YTD) |
$397,000
+9.4% YoY — QoQ |
+$79K | $317,817 | $11.7M | $40.4M | 63% |
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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.