BlastPoint's Banking Scorecard
The First State Bank of Dongola
Designations: ✓ Community bank
Dongola, IL
2 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +8.0% year over year ($31.2M on the books).
- Delinquency rate 0.26%.
- Return on assets 0.93%.
- Efficiency ratio 79.80% vs a 119.40% peer average.
- Loan-to-deposit ratio 54.34% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First State Bank of Dongola has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.32% above tier average
- + Efficiency Ratio 39.59% below tier average
- + Delinquency Rate 1.22% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.7M
+7.6% YoY
-1.8% QoQ
|
-$27.7M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
15% |
| Total Loans ? |
$17.0M
+3.4% YoY
+1.4% QoQ
|
-$17.9M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$31.2M
+8.0% YoY
-1.9% QoQ
|
-$20.4M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
0.93%
+13.8% YoY
+19.6% QoQ
|
-0.07% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
4.24%
+3.7% YoY
+3.0% QoQ
|
+0.32% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
65% |
| Efficiency Ratio ? |
79.80%
-2.3% YoY
-2.2% QoQ
|
-39.59% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
0.26%
-16.5% YoY
-9.6% QoQ
|
-1.22% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
54.34%
-4.3% YoY
+3.3% QoQ
|
-19.87% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
22.55%
+3.5% YoY
+6.5% QoQ
|
-0.94% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.13%
-19.8% YoY
-6.6% QoQ
|
-0.71% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
19.06%
+2.1% YoY
-3.7% QoQ
|
-8.07% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.39%
-5.7% YoY
+109.9% QoQ
|
-0.99% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 11.9% in tier |
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 |
22.6%
+0.8pp YoY +1.4pp QoQ |
-2.1pp | 24.6% | 20.1% | 22.2% | 44% |
| 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 |
9.0%
-3.9pp YoY -1.2pp QoQ |
-4.4pp | 13.4% | 14.7% | 12.5% | 47% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
38.0%
+1.5pp YoY -1.0pp QoQ |
+3.0pp | 35.0% | 28.3% | 31.3% | 59% |
| Consumer |
16.5%
+1.5pp YoY +1.8pp QoQ |
+8.8pp | 7.7% | 5.4% | 5.0% | 91% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.1%
+0.4pp YoY -0.7pp QoQ |
-19.6pp | 38.7% | 19.9% | 19.7% | 40% |
| Leverage Ratio |
9.8%
-0.4pp YoY -0.2pp QoQ |
-7.9pp | 17.7% | 12.2% | 12.6% | 16% |
| Total Capital Ratio |
20.0%
+0.3pp YoY -0.8pp QoQ |
-19.6pp | 39.7% | 20.9% | 20.8% | 38% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 228 | 482 | 36% |
| Assets per Employee ($) |
$3.9M
+7.6% YoY -1.8% QoQ |
-$2.3M | $6.2M | $8.3M | $8.8M | 17% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 18% |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-1.5pp | 1.7% | 1.1% | 1.0% | 24% |
| Allowance Coverage |
3.84x
+7.6% YoY +9.7% QoQ |
-2.57x | 6.41x | 5.62x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.6%
+1.2pp YoY +1.7pp QoQ |
+3.2pp | 6.4% | 10.5% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 44% |
| Net Income ($, YTD) |
$159,000
+20.5% YoY — QoQ |
-$159K | $317,817 | $11.7M | $40.4M | 31% |
Get Full Access to The First State Bank of Dongola
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.