BlastPoint's Banking Scorecard
Anna State Bank
$100M-$1B
Specialty: Other
IL
FDIC cert 11682
Anna, 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 +4.9% year over year ($97.1M on the books).
- Delinquency rate 0.02%.
- Return on assets 0.75%.
- Efficiency ratio 67.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 44.64% 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) →
Anna State Bank has 1 strength but faces 3 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
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.23% below tier average
- - ROA 0.57% below tier average
- - Efficiency Ratio 2.75% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$111.6M
+4.5% YoY
-0.6% QoQ
|
-$274.9M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.1% in tier |
| Total Loans ? |
$43.4M
+0.8% YoY
+0.3% QoQ
|
-$215.0M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.9% in tier |
| Total Deposits ? |
$97.1M
+4.9% YoY
-0.7% QoQ
|
-$229.6M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.8% in tier |
| Return on Assets ? |
0.75%
+31.9% YoY
-9.0% QoQ
|
-0.57% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
2.76%
+16.3% YoY
+2.5% QoQ
|
-1.23% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.8% in tier |
| Efficiency Ratio ? |
67.22%
-6.5% YoY
+6.1% QoQ
|
+2.75% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
0.02%
-81.6% YoY
-94.3% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
44.64%
-3.8% YoY
+1.0% QoQ
|
-33.31% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.49%
-5.0% YoY
-1.0% QoQ
|
+6.46% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.06%
+20.4% YoY
-60.9% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
12.54%
-2.9% YoY
-0.3% QoQ
|
-3.37% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.08%
-9.4% YoY
+79.0% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.9% 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 |
28.5%
-1.5pp YoY -0.3pp QoQ |
+6.3pp | 22.1% | 20.1% | 22.2% | 77% |
| 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 |
2.0%
-1.2pp YoY -0.9pp QoQ |
-9.5pp | 11.6% | 14.7% | 12.5% | 7% |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
59.4%
+2.0pp YoY +0.1pp QoQ |
+26.8pp | 32.6% | 28.3% | 31.3% | 90% |
| Consumer |
5.1%
+0.9pp YoY +0.2pp QoQ |
+1.0pp | 4.1% | 5.4% | 5.0% | 77% |
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 |
12.5%
-0.4pp YoY 0.0pp QoQ |
+0.4pp | 12.2% | 12.2% | 12.6% | 70% |
| 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 |
18
+2 (+12.5%) YoY 0 QoQ |
-41 | 58 | 228 | 482 | 8% |
| Assets per Employee ($) |
$6.2M
-7.1% YoY -0.6% QoQ |
-$1.3M | $7.5M | $8.3M | $8.8M | 37% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 6% |
| Allowance Coverage |
34.00x
+421.6% YoY +1644.9% QoQ |
+9.85x | 24.15x | 5.62x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
+1.7pp YoY -0.6pp QoQ |
-6.2pp | 12.2% | 10.5% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 30% |
| Net Income ($, YTD) |
$420,000
+38.2% YoY — QoQ |
-$2.1M | $2.6M | $11.7M | $40.4M | 9% |
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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).
Top Strengths (4 metrics)
154
Loan-to-Deposit Ratio
liquidity
Value:
44.64%
Peer Median: 77.95%
#154 of 2643
Top 5.8% in $100M-$1B
435
Delinquency Rate
credit_quality
Value:
0.02%
Peer Median: 0.92%
#435 of 2633
Top 16.5% in $100M-$1B
602
Non-Interest-Bearing Deposit Share
funding
Value:
28.49%
Peer Median: 22.03%
#602 of 2643
Top 22.7% in $100M-$1B
607
Nonperforming Asset Ratio
credit_quality
Value:
0.06%
Peer Median: 0.67%
#607 of 2643
Top 22.9% in $100M-$1B
Top Weaknesses (6 metrics)
2594
Total Loans
size
Value:
$43.35M
Peer Median: $258.35M
#2594 of 2643
Bottom 1.9% in $100M-$1B
2561
Total Assets
size
Value:
$111.64M
Peer Median: $386.57M
#2561 of 2643
Bottom 3.1% in $100M-$1B
2517
Total Deposits
size
Value:
$97.12M
Peer Median: $326.73M
#2517 of 2643
Bottom 4.8% in $100M-$1B
2492
Net Interest Margin
profitability
Value:
2.76%
Peer Median: 3.99%
#2492 of 2643
Bottom 5.8% in $100M-$1B
2303
Non-Interest Income / Assets
revenue_mix
Value:
0.08%
Peer Median: 0.57%
#2303 of 2643
Bottom 12.9% in $100M-$1B
2089
Return on Assets
profitability
Value:
0.75%
Peer Median: 1.32%
#2089 of 2643
Bottom 21.0% in $100M-$1B