BlastPoint's Banking Scorecard
Campus State Bank
Designations: ✓ Community bank
Campus, 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 +2.8% year over year ($23.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.43%.
- Efficiency ratio 68.53% vs a 119.40% peer average.
- Loan-to-deposit ratio 64.13% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Campus State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.43% above tier average
- + Net Interest Margin 1.14% above tier average
- + Efficiency Ratio 50.86% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.2M
+3.2% YoY
+2.8% QoQ
|
-$36.2M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.6% in tier |
| Total Loans ? |
$14.7M
-5.0% YoY
-3.9% QoQ
|
-$20.2M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$23.0M
+2.8% YoY
+2.8% QoQ
|
-$28.6M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.9% in tier |
| Return on Assets ? |
1.43%
+32.0% YoY
-34.4% QoQ
|
+0.43% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
5.06%
+1.0% YoY
-8.0% QoQ
|
+1.14% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Top 11.2% in tier |
| Efficiency Ratio ? |
68.53%
-3.0% YoY
+27.0% QoQ
|
-50.86% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
64.13%
-7.6% YoY
-6.5% QoQ
|
-10.08% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
31.43%
-0.1% YoY
-13.2% QoQ
|
+7.94% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.28%
+5.6% YoY
+2.3% QoQ
|
-14.84% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.09%
+10.7% YoY
+112.1% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
31.4%
0.0pp YoY -4.8pp QoQ |
+6.8pp | 24.6% | 20.1% | 22.2% | 77% |
| 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 | n/a | n/a | 13.4% | 14.7% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
9.5%
-1.6pp YoY -0.8pp QoQ |
-25.5pp | 35.0% | 28.3% | 31.3% | 20% |
| Consumer |
34.4%
+3.0pp YoY +1.2pp QoQ |
+26.7pp | 7.7% | 5.4% | 5.0% | 98% |
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 |
12.3%
+0.6pp YoY +0.3pp QoQ |
-5.4pp | 17.7% | 12.2% | 12.6% | 44% |
| 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 |
4
0 YoY 0 QoQ |
-8 | 12 | 228 | 482 | 2% |
| Assets per Employee ($) |
$6.6M
+3.2% YoY +2.8% QoQ |
+$368K | $6.2M | $8.3M | $8.8M | 60% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
+2.5pp YoY -6.2pp QoQ |
+5.5pp | 6.4% | 10.5% | 11.6% | 70% |
| Cost of Funds (YTD) |
0.4%
-0.1pp YoY 0.0pp QoQ |
-1.0pp | 1.4% | 1.6% | 1.7% | 6% |
| Net Income ($, YTD) |
$184,000
+34.3% YoY — QoQ |
-$134K | $317,817 | $11.7M | $40.4M | 34% |
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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.