BlastPoint's Banking Scorecard
Petefish, Skiles & Co.
Virginia, IL
6 branches across IL
Petefish, Skiles & Co. has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 2.88% below tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$502.5M
+4.0% YoY
+5.8% QoQ
|
+$116.5M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$335.6M
+8.6% YoY
-0.5% QoQ
|
+$79.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$445.7M
+5.4% YoY
+6.6% QoQ
|
+$117.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
1.59%
+1.7% YoY
+11.2% QoQ
|
+0.32% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
4.32%
+0.3% YoY
-2.6% QoQ
|
+0.39% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
62.41%
+2.5% YoY
+2.2% QoQ
|
-2.88% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
0.08%
-79.3% YoY
-53.6% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
75.30%
+3.0% YoY
-6.7% QoQ
|
-1.34% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
18.96%
-2.0% YoY
+3.7% QoQ
|
-3.06% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.06%
-78.8% YoY
-56.4% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
8.89%
-5.4% YoY
-0.2% QoQ
|
-6.94% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.5% in tier |
| Non-Interest Income / Assets ? |
0.16%
-6.8% YoY
-78.3% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
77% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.