BlastPoint's Banking Scorecard
Central Bank Illinois
Designations: ✓ Community bank
Geneseo, IL
12 branches across IL
Central Bank Illinois has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.34% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 35.8% in tier
- - ROA 0.79% below tier average
- - Net Interest Margin 0.19% below tier average
- - Delinquency Rate 0.85% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+6.0% YoY
+3.6% QoQ
|
-$1.3B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$948.7M
+0.5% YoY
-3.5% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$1.1B
+6.5% YoY
+5.1% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
0.57%
-34.9% YoY
-51.4% QoQ
|
-0.79% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.1% in tier |
| Net Interest Margin ? |
3.63%
+3.7% YoY
-0.9% QoQ
|
-0.19% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
51.72%
-2.3% YoY
+3.5% QoQ
|
-9.34% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
1.74%
+412.5% YoY
+41.6% QoQ
|
+0.85% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 11.7% in tier |
| Loan-to-Deposit Ratio ? |
86.68%
-5.7% YoY
-8.2% QoQ
|
+2.47% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
15.02%
-2.5% YoY
-2.7% QoQ
|
-6.27% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.18%
+291.1% YoY
+34.3% QoQ
|
+0.51% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.36%
+5.4% YoY
-2.0% QoQ
|
-4.80% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.4% in tier |
| Non-Interest Income / Assets ? |
0.12%
+7.7% YoY
-75.0% QoQ
|
-0.13% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
42% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.