BlastPoint's Banking Scorecard
State Bank of Cherry
Cherry, IL
State Bank of Cherry has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.74% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 6.6% in tier
- - Cost Spiral: Bottom 58.7% in tier
- - Net Interest Margin 0.50% below tier average
- - Delinquency Rate 0.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.7M
+8.2% YoY
+1.5% QoQ
|
-$246.4M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.1% in tier |
| Total Loans ? |
$93.4M
-4.7% YoY
-4.6% QoQ
|
-$162.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$110.7M
+5.5% YoY
+3.3% QoQ
|
-$217.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.9% in tier |
| Return on Assets ? |
1.02%
-38.3% YoY
-29.6% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.43%
-10.8% YoY
-8.9% QoQ
|
-0.50% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
27% |
| Efficiency Ratio ? |
63.55%
+14.9% YoY
+10.8% QoQ
|
-1.74% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
1.09%
-62.0% YoY
+2.6% QoQ
|
+0.20% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
84.39%
-9.7% YoY
-7.6% QoQ
|
+7.76% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
16.47%
-8.5% YoY
-3.3% QoQ
|
-5.55% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.46%
-32.6% YoY
-27.0% QoQ
|
+0.83% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.8% in tier |
| Tier 1 Capital Ratio ? |
11.55%
-4.8% YoY
-3.1% QoQ
|
-4.28% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.07%
-25.6% YoY
-69.2% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.