BlastPoint's Banking Scorecard

Anderson State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 10858

Oneida, IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Anderson State Bank has 4 strengths but faces 2 concerns

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

+ Credit Quality Leader: Top 28.8% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.25% above tier average
+ Efficiency Ratio 15.41% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 11.7% in tier
- Net Interest Margin 0.89% below tier average

Get updates when Anderson State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$107.4M -3.4% YoY +3.2% QoQ	-$278.7M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 2.3% in tier
Total Loans ?	$47.1M +10.5% YoY +1.4% QoQ	-$208.6M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 2.6% in tier
Total Deposits ?	$89.1M -6.0% YoY +3.4% QoQ	-$238.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 2.3% in tier
Return on Assets ?	1.52% +35.3% YoY +21.4% QoQ	+0.25%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	3.04% +13.9% YoY +5.0% QoQ	-0.89%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 12.7% in tier
Efficiency Ratio ?	49.88% -14.0% YoY -11.3% QoQ	-15.41%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	52.84% +17.5% YoY -1.9% QoQ	-23.80%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 11.8% in tier
Non-Interest-Bearing Deposit Share ?	21.29% -4.0% YoY -0.7% QoQ	-0.73%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	51%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.56% +9.6% YoY +6.7% QoQ	+1.73%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.04% +15.6% YoY -72.9% QoQ	-0.24%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	17%

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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 (1)

Credit Quality Leader

growth

#192 of 664 • Top 28.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#60 of 506 • Bottom 11.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

315

Loan-to-Deposit Ratio

liquidity

Value: 52.84%

Peer Median: 76.64%

#315 of 2664 Top 11.8% in $100M-$1B

419

Efficiency Ratio

profitability

Value: 49.88%

Peer Median: 65.29%

#419 of 2664 Top 15.7% in $100M-$1B

543

Tier 1 Capital Ratio

capital

Value: 17.56%

Peer Median: 15.83%

#543 of 2664 Top 20.3% in $100M-$1B

Top Weaknesses (5 metrics)

2603

Total Deposits

size

Value: $89.14M

Peer Median: $327.97M

#2603 of 2664 Bottom 2.3% in $100M-$1B

2603

Total Assets

size

Value: $107.37M

Peer Median: $386.08M

#2603 of 2664 Bottom 2.3% in $100M-$1B

2597

Total Loans

size

Value: $47.10M

Peer Median: $255.72M

#2597 of 2664 Bottom 2.6% in $100M-$1B

2326

Net Interest Margin

profitability

Value: 3.04%

Peer Median: 3.93%

#2326 of 2664 Bottom 12.7% in $100M-$1B

2212

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2212 of 2664 Bottom 17.0% in $100M-$1B