BlastPoint's Banking Scorecard

Goodfield State Bank

$100M-$1B Specialty: Commercial IL FDIC cert 11699

Goodfield, IL

6 branches across 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 +19.7% year over year ($250.1M on the books).
Delinquency rate 2.62%.
Return on assets 2.72%.
Efficiency ratio 41.64% vs a 64.48% peer average.
Loan-to-deposit ratio 88.46% 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) →

Goodfield State Bank has 4 strengths but faces 2 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

+ Profitability Leader: Top 15.3% in tier
+ Revenue Diversifier: Top 23.5% in tier
+ Efficiency Ratio 22.84% below tier average
+ Net Interest Margin 0.27% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.70% above tier average
- Nonperforming Asset Ratio 1.36% above tier average

Get updates when Goodfield State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$285.5M +19.4% YoY +0.5% QoQ	-$101.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	43%
Total Loans ?	$221.2M +10.4% YoY +5.0% QoQ	-$37.1M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	52%
Total Deposits ?	$250.1M +19.7% YoY -0.1% QoQ	-$76.7M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	45%
Return on Assets ?	2.72% +15.6% YoY +8.3% QoQ	+1.40%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Top 3.1% in tier
Net Interest Margin ?	4.26% +5.4% YoY +3.0% QoQ	+0.27%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	41.64% -11.8% YoY -8.9% QoQ	-22.84%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 5.4% in tier
Delinquency Rate ?	2.62% +461.7% YoY +79.3% QoQ	+1.70%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 7.9% in tier
Loan-to-Deposit Ratio ?	88.46% -7.8% YoY +5.1% QoQ	+10.50%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	11.71% -6.8% YoY -11.2% QoQ	-10.32%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 13.9% in tier
Nonperforming Asset Ratio ?	2.03% +419.1% YoY +87.3% QoQ	+1.36%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 6.7% in tier
Tier 1 Capital Ratio ?	10.58% -23.0% YoY -25.7% QoQ	-5.32%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.42% -7.4% YoY +80.8% QoQ	-0.15%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 13.2% in tier

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	11.7% -0.9pp YoY -1.5pp QoQ	-10.4pp	22.1%	20.1%	22.2%	13%
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	20.5% -1.4pp YoY -0.1pp QoQ	+8.9pp	11.6%	14.7%	12.5%	89%
CRE	30.4% -1.8pp YoY 0.0pp QoQ	-9.1pp	39.5%	37.9%	41.4%	35%
1-4 Family	39.7% +3.6pp YoY -0.1pp QoQ	+7.0pp	32.6%	28.3%	31.3%	69%
Consumer	2.8% -0.5pp YoY -0.2pp QoQ	-1.3pp	4.1%	5.4%	5.0%	57%

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	10.6% -1.1pp YoY -0.2pp QoQ	-1.6pp	12.2%	12.2%	12.6%	43%
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	39 +5 (+14.7%) YoY +1 (+2.6%) QoQ	-20	58	228	482	40%
Assets per Employee ($)	$7.3M +4.1% YoY -2.1% QoQ	-$197K	$7.5M	$8.3M	$8.8M	58%
Branch Count	6 +1 (+20.0%) YoY 0 QoQ	+1	4	10	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	2.4% +2.2pp YoY +1.2pp QoQ	+2.1pp	0.3%	0.4%	0.4%	98%
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.1%	1.0%	32%
Allowance Coverage	0.44x -81.6% YoY -45.3% QoQ	-23.72x	24.15x	5.62x	20.23x	8%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	26.8% +4.6pp YoY +2.1pp QoQ	+14.6pp	12.2%	10.5%	11.6%	97%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.6%	1.7%	61%
Net Income ($, YTD)	$3.8M +39.4% YoY — QoQ	+$1.3M	$2.6M	$11.7M	$40.4M	79%

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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 (2)

Profitability Leader

growth

#102 of 661 • Top 15.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.72%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#156 of 661 • Top 23.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.42%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.72%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.72%

Peer Median: 1.32%

#83 of 2643 Top 3.1% in $100M-$1B

145

Efficiency Ratio

profitability

Value: 41.64%

Peer Median: 64.48%

#145 of 2643 Top 5.4% in $100M-$1B

351

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.57%

#351 of 2643 Top 13.2% in $100M-$1B

Top Weaknesses (4 metrics)

2467

Nonperforming Asset Ratio

credit_quality

Value: 2.03%

Peer Median: 0.67%

#2467 of 2643 Bottom 6.7% in $100M-$1B

2425

Delinquency Rate

credit_quality

Value: 2.62%

Peer Median: 0.92%

#2425 of 2633 Bottom 7.9% in $100M-$1B

2277

Non-Interest-Bearing Deposit Share

funding

Value: 11.71%

Peer Median: 22.03%

#2277 of 2643 Bottom 13.9% in $100M-$1B

2170

Tier 1 Capital Ratio

capital

Value: 10.58%

Peer Median: 15.91%

#2170 of 2643 Bottom 17.9% in $100M-$1B