BlastPoint's Banking Scorecard
Hartsburg State Bank
Designations: ✓ Community bank
Hartsburg, 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 +10.4% year over year ($16.5M on the books).
- Delinquency rate 0.20%.
- Return on assets 0.22%.
- Efficiency ratio 92.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 32.82% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hartsburg State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 20.83% above tier average
- + Efficiency Ratio 26.67% below tier average
- + Delinquency Rate 1.28% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.78% below tier average
- - Net Interest Margin 1.05% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$18.1M
+10.7% YoY
+5.3% QoQ
|
-$44.3M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.7% in tier |
| Total Loans ? |
$5.4M
-9.2% YoY
-5.0% QoQ
|
-$29.5M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.2% in tier |
| Total Deposits ? |
$16.5M
+10.4% YoY
+5.7% QoQ
|
-$35.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.1% in tier |
| Return on Assets ? |
0.22%
+240.1% YoY
-40.5% QoQ
|
-0.78% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
2.87%
-0.8% YoY
-2.7% QoQ
|
-1.05% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio ? |
92.73%
-11.9% YoY
+5.4% QoQ
|
-26.67% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
15% |
| Delinquency Rate ? |
0.20%
-88.7% YoY
-11.0% QoQ
|
-1.28% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
32.82%
-17.8% YoY
-10.1% QoQ
|
-41.39% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 11.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.32%
+3.1% YoY
-22.5% QoQ
|
+20.83% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Top 5.4% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-90.7% YoY
-19.6% QoQ
|
-0.78% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
11.51%
-8.4% YoY
+1.4% QoQ
|
-15.62% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.12%
+26.4% YoY
+121.6% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
46% |
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 |
44.3%
+1.3pp YoY -12.9pp QoQ |
+19.7pp | 24.6% | 20.1% | 22.2% | 94% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
17.1%
+1.6pp YoY -0.9pp QoQ |
+3.7pp | 13.4% | 14.7% | 12.5% | 74% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
7.6%
+1.9pp YoY +2.7pp QoQ |
-27.4pp | 35.0% | 28.3% | 31.3% | 17% |
| Consumer |
3.5%
+1.3pp YoY +2.0pp QoQ |
-4.1pp | 7.7% | 5.4% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
11.5%
-1.0pp YoY +0.2pp QoQ |
-6.2pp | 17.7% | 12.2% | 12.6% | 35% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
3
0 YoY 0 QoQ |
-9 | 12 | 228 | 482 | 1% |
| Assets per Employee ($) |
$6.0M
+10.7% YoY +5.3% QoQ |
-$147K | $6.2M | $8.3M | $8.8M | 51% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-1.6pp YoY 0.0pp QoQ |
-0.8pp | 1.0% | 0.4% | 0.4% | 35% |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage |
14.91x
+722.3% YoY +18.2% QoQ |
+8.50x | 6.41x | 5.62x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
1.2%
-1.2pp QoQ |
+1.1pp | 0.2% | 0.1% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.6%
+4.6pp YoY -1.8pp QoQ |
-3.8pp | 6.4% | 10.5% | 11.6% | 22% |
| Cost of Funds (YTD) |
0.4%
-0.2pp YoY +0.1pp QoQ |
-1.0pp | 1.4% | 1.6% | 1.7% | 6% |
| Net Income ($, YTD) |
$20,000
+253.8% YoY — QoQ |
-$298K | $317,817 | $11.7M | $40.4M | 14% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.