BlastPoint's Banking Scorecard

Campus State Bank

under $100M Specialty: Agricultural IL FDIC cert 10840

Designations: ✓ Community bank

Campus, IL

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

Campus State Bank demonstrates 5 strengths

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

+ Return on Assets 1.34% above tier average
+ Net Interest Margin 1.64% above tier average
+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Efficiency Ratio 34.39% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$25.5M -1.3% YoY -0.0% QoQ	-$36.7M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 8.9% in tier
Total Loans ?	$15.3M -0.1% YoY -4.4% QoQ	-$18.9M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	20%
Total Deposits ?	$22.4M -2.1% YoY -0.4% QoQ	-$29.4M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 12.8% in tier
Return on Assets ?	2.18% +36.3% YoY +137.9% QoQ	+1.34%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 7.2% in tier
Net Interest Margin ?	5.50% +9.9% YoY +7.8% QoQ	+1.64%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Top 4.8% in tier
Efficiency Ratio ?	53.95% -19.4% YoY -30.7% QoQ	-34.39%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 13.9% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	68.57% +2.0% YoY -4.0% QoQ	+4.35%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	36.22% +8.0% YoY +2.4% QoQ	+12.50%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 11.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.01% +6.3% YoY +2.5% QoQ	-14.67%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.04% +23.8% YoY -73.2% QoQ	-0.62%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	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 (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 541 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Net Interest Margin

profitability

Value: 5.50%

Peer Median: 3.86%

#27 of 541 Top 4.8% in under $100M

Return on Assets

profitability

Value: 2.18%

Peer Median: 0.84%

#40 of 541 Top 7.2% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 36.22%

Peer Median: 23.71%

#63 of 541 Top 11.5% in under $100M

Efficiency Ratio

profitability

Value: 53.95%

Peer Median: 88.34%

#76 of 541 Top 13.9% in under $100M

Top Weaknesses (4 metrics)

494

Total Assets

size

Value: $25.50M

Peer Median: $62.16M

#494 of 541 Bottom 8.9% in under $100M

473

Total Deposits

size

Value: $22.36M

Peer Median: $51.74M

#473 of 541 Bottom 12.8% in under $100M

433

Total Loans

size

Value: $15.33M

Peer Median: $34.25M

#433 of 541 Bottom 20.1% in under $100M

418

Tier 1 Capital Ratio

capital

Value: 12.01%

Peer Median: 26.68%

#418 of 541 Bottom 22.9% in under $100M