BlastPoint's Banking Scorecard

Buckley State Bank

under $100M Specialty: Agricultural IL FDIC cert 12121

Designations: ✓ Community bank

Buckley, IL

541 banks in the under $100M peer group nationally 61 in IL

Buckley State Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.87% above tier average
+ Efficiency Ratio 24.52% below tier average

Key Concerns

Areas that may need attention

- ROA 0.42% below tier average
- Delinquency Rate 1.42% above tier average

Get updates when Buckley State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$50.5M +4.2% YoY +4.0% QoQ	-$11.6M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	32%
Total Loans ?	$30.5M -4.3% YoY -8.6% QoQ	-$3.7M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$44.2M +4.0% YoY +4.3% QoQ	-$7.6M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	35%
Return on Assets ?	0.41% -77.4% YoY -63.2% QoQ	-0.42%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	4.73% -7.5% YoY -5.9% QoQ	+0.87%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	63.83% +34.9% YoY +4.8% QoQ	-24.52%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	2.80% +20.8% YoY -1.6% QoQ	+1.42%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 13.8% in tier
Loan-to-Deposit Ratio ?	69.18% -8.0% YoY -12.4% QoQ	+4.97%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	38.26% +6.6% YoY -4.6% QoQ	+14.55%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 10.4% in tier
Nonperforming Asset Ratio ?	1.69% +10.9% YoY -13.6% QoQ	+0.90%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 13.5% in tier
Tier 1 Capital Ratio ?	12.79% +2.8% YoY -0.0% QoQ	-13.89%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.04% +0.8% YoY -80.4% QoQ	-0.62%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	33%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 38.26%

Peer Median: 23.71%

#57 of 541 Top 10.4% in under $100M

Net Interest Margin

profitability

Value: 4.73%

Peer Median: 3.86%

#94 of 541 Top 17.2% in under $100M

Top Weaknesses (2 metrics)

469

Nonperforming Asset Ratio

credit_quality

Value: 1.69%

Peer Median: 0.79%

#469 of 541 Bottom 13.5% in under $100M

450

Delinquency Rate

credit_quality

Value: 2.80%

Peer Median: 1.37%

#450 of 521 Bottom 13.8% in under $100M