BlastPoint's Banking Scorecard

Anchor State Bank

under $100M Specialty: Agricultural IL FDIC cert 11681

Designations: ✓ Community bank

Anchor, IL

541 banks in the under $100M peer group nationally 61 in IL

Anchor State Bank has 4 strengths but faces 1 concern

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

+ Delinquency Rate 1.37% below tier average
+ Non-Interest-Bearing Deposit Share 25.33% above tier average
+ Non-Interest Income / Assets 0.08% below tier average
+ Efficiency Ratio 7.97% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.21% below tier average

Get updates when Anchor 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 ?	$76.4M +18.8% YoY +17.4% QoQ	+$14.3M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	66%
Total Loans ?	$29.2M -8.7% YoY -5.8% QoQ	-$5.0M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$67.2M +18.3% YoY +20.2% QoQ	+$15.4M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	70%
Return on Assets ?	0.84% -46.6% YoY -10.4% QoQ	+0.01%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.65% +6.4% YoY +1.7% QoQ	-0.21%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	80.38% +27.0% YoY +11.1% QoQ	-7.97%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	43.54% -22.8% YoY -21.6% QoQ	-20.68%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	49.05% +31.8% YoY +28.7% QoQ	+25.33%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 3.9% in tier
Nonperforming Asset Ratio ?	0.40% -49.1% QoQ	-0.39%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	43%
Tier 1 Capital Ratio ?	17.82% +14.3% YoY -11.9% QoQ	-8.86%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	61%
Non-Interest Income / Assets ?	0.59% -12.7% YoY -71.5% QoQ	-0.08%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 4.4% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 49.05%

Peer Median: 23.71%

#22 of 541 Top 3.9% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.59%

Peer Median: 0.67%

#25 of 541 Top 4.4% in under $100M

131

Loan-to-Deposit Ratio

liquidity

Value: 43.54%

Peer Median: 64.22%

#131 of 541 Top 24.0% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available