BlastPoint's Banking Scorecard

Anderson State Bank

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

Oneida, 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 -5.5% year over year ($90.3M on the books).
Delinquency rate 0.00%.
Return on assets 1.54%.
Efficiency ratio 50.09% vs a 64.48% peer average.
Loan-to-deposit ratio 50.95% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (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 27.5% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.22% above tier average
+ Efficiency Ratio 14.39% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 13.6% in tier
- Net Interest Margin 0.88% below tier average

Get updates when Anderson State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$108.9M -3.3% YoY +1.4% QoQ	-$277.7M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 2.5% in tier
Total Loans ?	$46.0M +4.1% YoY -2.3% QoQ	-$212.3M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 2.2% in tier
Total Deposits ?	$90.3M -5.5% YoY +1.3% QoQ	-$236.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 2.6% in tier
Return on Assets ?	1.54% +32.7% YoY +1.7% QoQ	+0.22%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	3.11% +12.4% YoY +2.2% QoQ	-0.88%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 13.0% in tier
Efficiency Ratio ?	50.09% -13.3% YoY +0.4% QoQ	-14.39%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	50.95% +10.2% YoY -3.6% QoQ	-27.00%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 8.8% in tier
Non-Interest-Bearing Deposit Share ?	21.00% -3.6% YoY -1.4% QoQ	-1.03%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.31% +9.5% YoY -1.4% QoQ	+1.40%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.09% +11.8% YoY +91.0% QoQ	-0.48%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 14.3% in tier

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	21.0% -0.8pp YoY -0.3pp QoQ	-1.1pp	22.1%	20.1%	22.2%	49%
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	4.2% -0.3pp YoY +0.4pp QoQ	-7.4pp	11.6%	14.7%	12.5%	15%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	14.2% +0.4pp YoY -0.3pp QoQ	-18.4pp	32.6%	28.3%	31.3%	18%
Consumer	4.0% +0.1pp YoY +0.2pp QoQ	-0.1pp	4.1%	5.4%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	17.3% +1.5pp YoY -0.2pp QoQ	+5.1pp	12.2%	12.2%	12.6%	94%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	8 0 YoY 0 QoQ	-51	58	228	482	0%
Assets per Employee ($)	$13.6M -3.3% YoY +1.4% QoQ	+$6.1M	$7.5M	$8.3M	$8.8M	96%
Branch Count	1 0 YoY 0 QoQ	-4	4	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	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.1%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	5.62x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	54%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	9.1% +1.2pp YoY +0.2pp QoQ	-3.1pp	12.2%	10.5%	11.6%	31%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.6%	1.7%	10%
Net Income ($, YTD)	$824,000 +29.4% YoY — QoQ	-$1.7M	$2.6M	$11.7M	$40.4M	20%

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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

#182 of 659 • Top 27.5% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#74 of 535 • Bottom 13.6% in tier

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

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

234

Loan-to-Deposit Ratio

liquidity

Value: 50.95%

Peer Median: 77.95%

#234 of 2643 Top 8.8% in $100M-$1B

451

Efficiency Ratio

profitability

Value: 50.09%

Peer Median: 64.48%

#451 of 2643 Top 17.0% in $100M-$1B

580

Tier 1 Capital Ratio

capital

Value: 17.31%

Peer Median: 15.91%

#580 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (5 metrics)

2586

Total Loans

size

Value: $46.02M

Peer Median: $258.35M

#2586 of 2643 Bottom 2.2% in $100M-$1B

2579

Total Assets

size

Value: $108.91M

Peer Median: $386.57M

#2579 of 2643 Bottom 2.5% in $100M-$1B

2576

Total Deposits

size

Value: $90.31M

Peer Median: $326.73M

#2576 of 2643 Bottom 2.6% in $100M-$1B

2300

Net Interest Margin

profitability

Value: 3.11%

Peer Median: 3.99%

#2300 of 2643 Bottom 13.0% in $100M-$1B

2265

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2265 of 2643 Bottom 14.3% in $100M-$1B