BlastPoint's Banking Scorecard
Anchor State Bank
Designations: ✓ Community bank
Anchor, 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 +27.1% year over year ($64.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.96%.
- Efficiency ratio 77.60% vs a 119.40% peer average.
- Loan-to-deposit ratio 48.27% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Anchor State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 24.24% above tier average
- + Non-Interest Income / Assets 0.15% below tier average
- + Efficiency Ratio 41.80% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.5M
+25.5% YoY
-3.9% QoQ
|
+$11.0M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$31.0M
-4.5% YoY
+6.0% QoQ
|
-$3.9M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$64.2M
+27.1% YoY
-4.4% QoQ
|
+$12.6M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
0.96%
-45.4% YoY
+14.0% QoQ
|
-0.04% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.65%
-2.3% YoY
+0.0% QoQ
|
-0.27% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
77.60%
+32.5% YoY
-3.5% QoQ
|
-41.80% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
48.27%
-24.9% YoY
+10.9% QoQ
|
-25.94% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
47.73%
+52.1% YoY
-2.7% QoQ
|
+24.24% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Top 3.5% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-94.2% QoQ
|
-0.81% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
22.87%
+39.9% YoY
+2.1% QoQ
|
-4.25% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
1.23%
-7.2% YoY
+108.1% QoQ
|
-0.15% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 4.3% in tier |
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 |
47.7%
+16.3pp YoY -1.3pp QoQ |
+23.1pp | 24.6% | 20.1% | 22.2% | 96% |
| Brokered Deposits |
0.4%
-13.1pp YoY -1.1pp QoQ |
-9.4pp | 9.8% | 8.0% | 8.5% | 8% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.0%
+0.8pp YoY -0.7pp QoQ |
+5.6pp | 13.4% | 14.7% | 12.5% | 77% |
| CRE |
24.9%
-0.1pp YoY +1.8pp QoQ |
-0.4pp | 25.2% | 37.9% | 41.4% | 64% |
| 1-4 Family |
1.8%
0.0pp YoY -0.3pp QoQ |
-33.2pp | 35.0% | 28.3% | 31.3% | 8% |
| Consumer |
1.5%
-0.4pp YoY -0.5pp QoQ |
-6.2pp | 7.7% | 5.4% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.9%
+6.5pp YoY +0.5pp QoQ |
-15.8pp | 38.7% | 19.9% | 19.7% | 56% |
| Leverage Ratio |
12.6%
-0.1pp YoY -0.1pp QoQ |
-5.1pp | 17.7% | 12.2% | 12.6% | 48% |
| Total Capital Ratio |
23.6%
+6.7pp YoY +0.4pp QoQ |
-16.1pp | 39.7% | 20.9% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
+2 (+22.2%) YoY 0 QoQ |
-1 | 12 | 228 | 482 | 50% |
| Assets per Employee ($) |
$6.7M
+2.7% YoY -3.9% QoQ |
+$490K | $6.2M | $8.3M | $8.8M | 61% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY |
0.0pp | 0.2% | 0.1% | 0.2% | 77% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.0%
-6.9pp YoY +1.0pp QoQ |
+1.6pp | 6.4% | 10.5% | 11.6% | 49% |
| Cost of Funds (YTD) |
1.3%
-0.4pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 46% |
| Net Income ($, YTD) |
$344,000
-35.2% YoY — QoQ |
+$26K | $317,817 | $11.7M | $40.4M | 57% |
Get Full Access to Anchor State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.