BlastPoint's Banking Scorecard
Bank of Kampsville
Kampsville, IL
4 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 +6.3% year over year ($110.7M on the books).
- Delinquency rate 0.01%.
- Return on assets 0.93%.
- Efficiency ratio 63.84% vs a 64.48% peer average.
- Loan-to-deposit ratio 42.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Kampsville has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.64% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.99% below tier average
- - ROA 0.39% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.1M
+6.1% YoY
+0.5% QoQ
|
-$252.5M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 9.2% in tier |
| Total Loans ? |
$46.9M
+0.4% YoY
+0.7% QoQ
|
-$211.5M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.4% in tier |
| Total Deposits ? |
$110.7M
+6.3% YoY
+0.4% QoQ
|
-$216.0M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.8% in tier |
| Return on Assets ? |
0.93%
+35.8% YoY
+28.1% QoQ
|
-0.39% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.00%
+7.6% YoY
+1.8% QoQ
|
-0.99% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.0% in tier |
| Efficiency Ratio ? |
63.84%
-11.7% YoY
-9.5% QoQ
|
-0.64% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.01%
-99.5% YoY
-91.6% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 14.5% in tier |
| Loan-to-Deposit Ratio ? |
42.33%
-5.5% YoY
+0.4% QoQ
|
-35.62% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 4.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.40%
-6.5% YoY
+0.4% QoQ
|
+3.37% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.04%
-94.8% YoY
-2.2% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
17.41%
-2.6% YoY
-0.2% QoQ
|
+1.50% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.19%
+7.6% YoY
+118.1% QoQ
|
-0.38% |
0.57%
+7.6% 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 |
25.4%
-1.8pp YoY +0.1pp QoQ |
+3.3pp | 22.1% | 20.1% | 22.2% | 67% |
| 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 |
14.2%
+3.4pp YoY +1.1pp QoQ |
+2.6pp | 11.6% | 14.7% | 12.5% | 73% |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
38.1%
+2.7pp YoY +0.8pp QoQ |
+5.5pp | 32.6% | 28.3% | 31.3% | 67% |
| Consumer |
20.3%
-1.7pp YoY -0.4pp QoQ |
+16.1pp | 4.1% | 5.4% | 5.0% | 98% |
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 |
17.4%
-0.5pp YoY 0.0pp QoQ |
+5.2pp | 12.2% | 12.2% | 12.6% | 94% |
| 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 |
21
+1 (+5.0%) YoY 0 QoQ |
-38 | 58 | 228 | 482 | 12% |
| Assets per Employee ($) |
$6.4M
+1.1% YoY +0.5% QoQ |
-$1.1M | $7.5M | $8.3M | $8.8M | 40% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 10 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.3pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 3% |
| Allowance Coverage |
69.80x
+20586.5% YoY +1080.0% QoQ |
+45.65x | 24.15x | 5.62x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.4%
+1.4pp YoY +1.2pp QoQ |
-6.8pp | 12.2% | 10.5% | 11.6% | 15% |
| Cost of Funds (YTD) |
1.2%
+0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$614,000
+45.5% YoY — QoQ |
-$1.9M | $2.6M | $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.