BlastPoint's Banking Scorecard
First State Bank of St. Peter
Designations: ✓ Community bank
Saint Peter, 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 -3.7% year over year ($24.6M on the books).
- Delinquency rate 1.73%.
- Return on assets 1.71%.
- Efficiency ratio 49.31% vs a 119.40% peer average.
- Loan-to-deposit ratio 30.77% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank of St. Peter has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 70.08% below tier average
- + ROA 0.71% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.25% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.1M
-2.5% YoY
-0.7% QoQ
|
-$32.3M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.8% in tier |
| Total Loans ? |
$7.6M
-5.9% YoY
-0.3% QoQ
|
-$27.3M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.0% in tier |
| Total Deposits ? |
$24.6M
-3.7% YoY
-1.3% QoQ
|
-$27.0M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.6% in tier |
| Return on Assets ? |
1.71%
+18.6% YoY
+3.7% QoQ
|
+0.71% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
3.89%
+7.2% YoY
+0.7% QoQ
|
-0.03% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
49.31%
-9.2% YoY
-2.1% QoQ
|
-70.08% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 8.4% in tier |
| Delinquency Rate ? |
1.73%
+48.0% YoY
+173.8% QoQ
|
+0.25% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
30.77%
-2.2% YoY
+0.9% QoQ
|
-43.44% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.04%
+11.1% YoY
+3.8% QoQ
|
+11.55% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Top 14.4% in tier |
| Nonperforming Asset Ratio ? |
0.43%
+43.0% YoY
+21.0% QoQ
|
-0.40% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
45.91%
+9.4% YoY
+2.4% QoQ
|
+18.78% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 9.0% in tier |
| Non-Interest Income / Assets ? |
0.07%
+8.0% YoY
+123.7% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
24% |
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 |
35.0%
+3.5pp YoY +1.3pp QoQ |
+10.4pp | 24.6% | 20.1% | 22.2% | 85% |
| 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 |
3.7%
+1.4pp YoY 0.0pp QoQ |
-9.7pp | 13.4% | 14.7% | 12.5% | 12% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
23.5%
+5.0pp YoY +0.6pp QoQ |
-11.5pp | 35.0% | 28.3% | 31.3% | 41% |
| Consumer |
14.8%
-0.8pp YoY -1.2pp QoQ |
+7.1pp | 7.7% | 5.4% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
45.9%
+3.9pp YoY +1.1pp QoQ |
+7.2pp | 38.7% | 19.9% | 19.7% | 85% |
| Leverage Ratio |
18.5%
+1.0pp YoY 0.0pp QoQ |
+0.8pp | 17.7% | 12.2% | 12.6% | 82% |
| Total Capital Ratio |
46.8%
+3.8pp YoY +0.9pp QoQ |
+7.2pp | 39.7% | 20.9% | 20.8% | 85% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
-1 (-20.0%) YoY 0 QoQ |
-8 | 12 | 228 | 482 | 2% |
| Assets per Employee ($) |
$7.5M
+21.9% YoY -0.7% QoQ |
+$1.3M | $6.2M | $8.3M | $8.8M | 74% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.7%
+1.3pp QoQ |
0.0pp | 1.7% | 1.1% | 1.0% | 71% |
| Allowance Coverage |
0.87x
-38.5% YoY -69.9% QoQ |
-5.54x | 6.41x | 5.62x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
0.6%
+0.6pp YoY +0.7pp QoQ |
+0.4pp | 0.2% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
+1.0pp YoY +0.4pp QoQ |
+3.3pp | 6.4% | 10.5% | 11.6% | 60% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.6% | 1.7% | 11% |
| Net Income ($, YTD) |
$256,000
+16.9% YoY — QoQ |
-$62K | $317,817 | $11.7M | $40.4M | 45% |
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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.