BlastPoint's Banking Scorecard
Sainte Marie State Bank
Designations: ✓ Community bank
Sainte Marie, IL
2 branches across IL · TN
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 +31.4% year over year ($19.2M on the books).
- Delinquency rate 0.31%.
- Return on assets -0.74%.
- Efficiency ratio 115.56% vs a 119.40% peer average.
- Loan-to-deposit ratio 46.53% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sainte Marie State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.10% above tier average
- + Efficiency Ratio 3.84% below tier average
- + Delinquency Rate 1.17% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.74% below tier average
- - Efficiency Ratio 3.84% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.0M
+25.8% YoY
+10.7% QoQ
|
-$39.5M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.8% in tier |
| Total Loans ? |
$8.9M
+59.6% YoY
+5.8% QoQ
|
-$26.0M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.1% in tier |
| Total Deposits ? |
$19.2M
+31.4% YoY
+13.7% QoQ
|
-$32.4M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.4% in tier |
| Return on Assets ? |
-0.74%
-166.7% YoY
-181.3% QoQ
|
-1.74% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.6% in tier |
| Net Interest Margin ? |
4.01%
+1.3% YoY
-0.2% QoQ
|
+0.10% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
115.56%
+35.7% YoY
+24.8% QoQ
|
-3.84% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate ? |
0.31%
-5.5% QoQ
|
-1.17% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
46.53%
+21.5% YoY
-7.0% QoQ
|
-27.68% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
25.89%
-33.1% YoY
-9.2% QoQ
|
+2.40% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.12%
-9.7% QoQ
|
-0.71% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
15.83%
-23.3% YoY
-14.2% QoQ
|
-11.30% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.12%
-73.8% YoY
-62.5% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
47% |
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 |
25.9%
-12.8pp YoY -2.6pp QoQ |
+1.3pp | 24.6% | 20.1% | 22.2% | 60% |
| 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 |
5.9%
-5.4pp YoY -0.9pp QoQ |
-7.5pp | 13.4% | 14.7% | 12.5% | 26% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
21.2%
+9.5pp YoY -7.7pp QoQ |
-13.8pp | 35.0% | 28.3% | 31.3% | 38% |
| Consumer |
4.4%
-1.7pp YoY +0.7pp QoQ |
-3.3pp | 7.7% | 5.4% | 5.0% | 46% |
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 |
15.8%
-4.8pp YoY -2.6pp QoQ |
-1.9pp | 17.7% | 12.2% | 12.6% | 74% |
| 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 |
8
+1 (+14.3%) YoY 0 QoQ |
-4 | 12 | 228 | 482 | 29% |
| Assets per Employee ($) |
$2.9M
+10.1% YoY +10.7% QoQ |
-$3.3M | $6.2M | $8.3M | $8.8M | 7% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp QoQ |
-1.4pp | 1.7% | 1.1% | 1.0% | 31% |
| Allowance Coverage |
5.18x
+49.5% QoQ |
-1.23x | 6.41x | 5.62x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
0.4%
-1.0pp QoQ |
+0.2pp | 0.2% | 0.1% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-4.2%
-9.6pp YoY -9.2pp QoQ |
-10.6pp | 6.4% | 10.5% | 11.6% | 8% |
| Cost of Funds (YTD) |
1.4%
+0.3pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.6% | 1.7% | 53% |
| Net Income ($, YTD) |
$-77000.0
-186.5% YoY — QoQ |
-$395K | $317,817 | $11.7M | $40.4M | 10% |
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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.