BlastPoint's Banking Scorecard
Clay County State Bank
Louisville, IL
Clay County State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Efficiency Ratio 3.28% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.56% above tier average
- - Nonperforming Asset Ratio 1.32% above tier average
- - Net Interest Margin 0.50% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.7M
+1.5% YoY
+0.9% QoQ
|
-$279.4M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.2% in tier |
| Total Loans ? |
$46.2M
+1.2% YoY
-0.7% QoQ
|
-$209.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.3% in tier |
| Total Deposits ? |
$94.2M
+0.1% YoY
+0.9% QoQ
|
-$233.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.9% in tier |
| Return on Assets ? |
1.34%
+10.9% YoY
+3.5% QoQ
|
+0.07% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.43%
+6.5% YoY
+2.3% QoQ
|
-0.50% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
62.01%
-1.3% YoY
+1.3% QoQ
|
-3.28% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
4.44%
+35.4% YoY
+1.4% QoQ
|
+3.56% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.6% in tier |
| Loan-to-Deposit Ratio ? |
49.04%
+1.1% YoY
-1.6% QoQ
|
-27.59% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 8.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.55%
+18.3% YoY
-9.3% QoQ
|
-5.47% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.96%
+37.7% YoY
+1.8% QoQ
|
+1.32% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.2% in tier |
| Tier 1 Capital Ratio ? |
12.52%
+1.5% YoY
+0.0% QoQ
|
-3.31% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.04%
-3.7% YoY
-78.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.6% 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 (0)
Metric Rankings
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