BlastPoint's Banking Scorecard
Buckley State Bank
Designations: ✓ Community bank
Buckley, 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 -2.2% year over year ($42.7M on the books).
- Delinquency rate 1.82%.
- Return on assets 0.65%.
- Efficiency ratio 36.20% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.96% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Buckley State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 83.20% below tier average
- + Net Interest Margin 0.93% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$49.0M
-1.4% YoY
-3.0% QoQ
|
-$13.4M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$31.6M
-9.8% YoY
+3.4% QoQ
|
-$3.3M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$42.7M
-2.2% YoY
-3.3% QoQ
|
-$8.9M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
0.65%
-53.6% YoY
+57.4% QoQ
|
-0.35% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
4.84%
-2.5% YoY
+2.3% QoQ
|
+0.93% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
36.20%
-30.2% YoY
-43.3% QoQ
|
-83.20% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Top 1.9% in tier |
| Delinquency Rate ? |
1.82%
+2.5% YoY
-35.0% QoQ
|
+0.34% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
73.96%
-7.8% YoY
+6.9% QoQ
|
-0.25% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
37.53%
+3.1% YoY
-1.9% QoQ
|
+14.04% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Top 10.4% in tier |
| Nonperforming Asset Ratio ? |
1.17%
-6.3% YoY
-30.7% QoQ
|
+0.33% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
12.89%
+2.9% YoY
+0.7% QoQ
|
-14.24% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.16%
+79.8% YoY
+283.0% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
37.5%
+1.1pp YoY -0.7pp QoQ |
+12.9pp | 24.6% | 20.1% | 22.2% | 89% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-9.8pp | 9.8% | 8.0% | 8.5% | 1% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.2%
+0.4pp YoY -1.7pp QoQ |
+6.8pp | 13.4% | 14.7% | 12.5% | 79% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
4.3%
+1.1pp YoY -0.6pp QoQ |
-30.7pp | 35.0% | 28.3% | 31.3% | 13% |
| Consumer |
3.5%
-0.4pp YoY -0.3pp QoQ |
-4.2pp | 7.7% | 5.4% | 5.0% | 36% |
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 |
12.9%
+0.4pp YoY +0.1pp QoQ |
-4.8pp | 17.7% | 12.2% | 12.6% | 51% |
| 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 |
9
+1 (+12.5%) YoY 0 QoQ |
-3 | 12 | 228 | 482 | 36% |
| Assets per Employee ($) |
$5.4M
-12.4% YoY -3.0% QoQ |
-$741K | $6.2M | $8.3M | $8.8M | 43% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.8%
0.0pp YoY -1.0pp QoQ |
+0.1pp | 1.7% | 1.1% | 1.0% | 72% |
| Allowance Coverage |
0.79x
+0.9% YoY +45.0% QoQ |
-5.62x | 6.41x | 5.62x | 20.23x | 37% |
| Net Charge-off Rate (YTD) |
0.9%
+0.5pp YoY -0.8pp QoQ |
+0.8pp | 0.2% | 0.1% | 0.2% | 95% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.1%
-6.6pp YoY +1.8pp QoQ |
-1.3pp | 6.4% | 10.5% | 11.6% | 33% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.6% | 1.7% | 16% |
| Net Income ($, YTD) |
$160,000
-53.5% YoY — QoQ |
-$158K | $317,817 | $11.7M | $40.4M | 31% |
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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.