BlastPoint's Banking Scorecard

Hartsburg State Bank

under $100M Specialty: Agricultural IL FDIC cert 11716

Designations: ✓ Community bank

Hartsburg, IL

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

Hartsburg State Bank has 2 strengths 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

+ Non-Interest-Bearing Deposit Share 33.42% above tier average
+ Delinquency Rate 1.13% below tier average

Key Concerns

Areas that may need attention

- ROA 0.49% below tier average
- Net Interest Margin 0.93% below tier average
- Efficiency Ratio 0.31% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$17.2M +8.4% YoY -15.1% QoQ	-$45.1M	$62.3M -0.5% YoY	$2.3B +4.2% YoY	$6.2B +9.0% YoY	Bottom 3.2% in tier
Total Loans ?	$5.7M -6.5% YoY -5.4% QoQ	-$28.6M	$34.3M -1.5% YoY	$1.2B +5.0% YoY	$3.2B +10.7% YoY	Bottom 6.3% in tier
Total Deposits ?	$15.6M +17.6% YoY -9.7% QoQ	-$36.2M	$51.8M -0.6% YoY	$1.9B +3.6% YoY	$4.8B +8.0% YoY	Bottom 6.3% in tier
Return on Assets ?	0.36% +676.9% YoY +387.9% QoQ	-0.49%	0.86% -3.6% YoY	1.04% +2.4% YoY	1.24% +13.1% YoY	24%
Net Interest Margin ?	2.94% -1.8% YoY +1.8% QoQ	-0.93%	3.87% +2.7% YoY	3.61% +7.3% YoY	3.89% +5.7% YoY	Bottom 14.3% in tier
Efficiency Ratio ?	87.94% -10.7% YoY -9.8% QoQ	+0.31%	87.63% +2.3% YoY	63.68% -7.1% YoY	66.84% -3.8% YoY	22%
Delinquency Rate ?	0.23% -77.2% YoY -72.5% QoQ	-1.13%	1.36% +33.7% YoY	1.15% +15.2% YoY	0.95% +18.8% YoY	57%
Loan-to-Deposit Ratio ?	36.51% -20.5% YoY +4.7% QoQ	-27.60%	64.11% -0.9% YoY	71.92% +0.7% YoY	76.69% +0.9% YoY	Top 14.2% in tier
Non-Interest-Bearing Deposit Share ?	57.21% +51.3% YoY +40.6% QoQ	+33.42%	23.79% +0.5% YoY	20.45% -1.0% YoY	22.01% -1.1% YoY	Top 2.2% in tier
Nonperforming Asset Ratio ?	0.08% -80.3% YoY -69.4% QoQ	-0.70%	0.77% +28.7% YoY	0.78% +18.6% YoY	0.66% +19.3% YoY	62%
Tier 1 Capital Ratio ?	11.35% -3.5% YoY -11.3% QoQ	-15.42%	26.77% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.05% +3.8% YoY -64.7% QoQ	-0.62%	0.67% +1.6% YoY	0.34% +6.6% YoY	0.32% +4.0% YoY	44%

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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 537 peers in under $100M

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 57.21%

Peer Median: 23.79%

#13 of 537 Top 2.2% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 36.51%

Peer Median: 64.11%

#77 of 537 Top 14.2% in under $100M

Top Weaknesses (7 metrics)

521

Total Assets

size

Value: $17.21M

Peer Median: $62.28M

#521 of 537 Bottom 3.2% in under $100M

504

Total Deposits

size

Value: $15.62M

Peer Median: $51.83M

#504 of 537 Bottom 6.3% in under $100M

504

Total Loans

size

Value: $5.70M

Peer Median: $34.29M

#504 of 537 Bottom 6.3% in under $100M

461

Net Interest Margin

profitability

Value: 2.94%

Peer Median: 3.87%

#461 of 537 Bottom 14.3% in under $100M

445

Tier 1 Capital Ratio

capital

Value: 11.35%

Peer Median: 26.77%

#445 of 537 Bottom 17.3% in under $100M

419

Efficiency Ratio

profitability

Value: 87.94%

Peer Median: 87.63%

#419 of 537 Bottom 22.2% in under $100M

407

Return on Assets

profitability

Value: 0.36%

Peer Median: 0.86%

#407 of 537 Bottom 24.4% in under $100M