BlastPoint's Banking Scorecard
Tompkins State Bank
Avon, IL
4 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +6.0% year over year ($274.3M on the books).
- Delinquency rate 0.20%.
- Return on assets 0.98%.
- Efficiency ratio 69.17% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.29% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Tompkins State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Net Interest Margin 0.43% below tier average
- - Efficiency Ratio 4.69% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.5M
+5.5% YoY
-0.5% QoQ
|
-$83.1M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$168.1M
+8.6% YoY
+2.2% QoQ
|
-$90.3M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$274.3M
+6.0% YoY
-0.5% QoQ
|
-$52.5M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
0.98%
+1.5% YoY
-4.8% QoQ
|
-0.34% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.56%
+1.1% YoY
+0.2% QoQ
|
-0.43% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
31% |
| Efficiency Ratio ? |
69.17%
-2.2% YoY
+6.1% QoQ
|
+4.69% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
0.20%
-72.3% YoY
-78.4% QoQ
|
-0.72% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
61.29%
+2.5% YoY
+2.7% QoQ
|
-16.66% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
20.64%
+3.7% YoY
-10.5% QoQ
|
-1.39% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.40%
-21.0% YoY
-19.0% QoQ
|
-0.27% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
14.96%
+0.7% YoY
+0.7% QoQ
|
-0.95% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.17%
+0.7% YoY
+112.6% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
42% |
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 |
20.6%
+0.7pp YoY -2.4pp QoQ |
-1.5pp | 22.1% | 20.1% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
19.7%
-0.5pp YoY +0.3pp QoQ |
+8.2pp | 11.6% | 14.7% | 12.5% | 88% |
| CRE |
19.5%
+3.7pp YoY -1.3pp QoQ |
-20.0pp | 39.5% | 37.9% | 41.4% | 17% |
| 1-4 Family |
12.9%
+1.0pp YoY +0.2pp QoQ |
-19.8pp | 32.6% | 28.3% | 31.3% | 15% |
| Consumer |
1.9%
-0.3pp YoY 0.0pp QoQ |
-2.2pp | 4.1% | 5.4% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.0%
+0.1pp YoY +0.1pp QoQ |
-3.9pp | 18.8% | 19.9% | 19.7% | 48% |
| Leverage Ratio |
9.8%
+0.2pp YoY +0.2pp QoQ |
-2.4pp | 12.2% | 12.2% | 12.6% | 27% |
| Total Capital Ratio |
15.7%
+0.1pp YoY +0.1pp QoQ |
-4.2pp | 19.9% | 20.9% | 20.8% | 45% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
57
+2 (+3.6%) YoY +1 (+1.8%) QoQ |
-2 | 58 | 228 | 482 | 60% |
| Assets per Employee ($) |
$5.3M
+1.8% YoY -2.2% QoQ |
-$2.2M | $7.5M | $8.3M | $8.8M | 20% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 10 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 62% |
| Nonaccrual |
0.0%
-0.6pp YoY -0.6pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 7% |
| Allowance Coverage |
4.14x
+238.9% YoY +333.1% QoQ |
-20.02x | 24.15x | 5.62x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.5%
-1.2pp YoY -0.5pp QoQ |
-1.7pp | 12.2% | 10.5% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 35% |
| Net Income ($, YTD) |
$1.5M
+6.2% YoY — QoQ |
-$1.1M | $2.6M | $11.7M | $40.4M | 41% |
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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.