BlastPoint's Banking Scorecard
Jersey State Bank
Jerseyville, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
- Deposits +5.2% year over year ($167.5M on the books).
- Delinquency rate 1.20%.
- Return on assets 0.83%.
- Efficiency ratio 69.46% vs a 64.48% peer average.
- Loan-to-deposit ratio 57.20% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Jersey State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 4.98% above tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$190.1M
+4.9% YoY
-3.0% QoQ
|
-$196.5M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$95.8M
+8.8% YoY
+3.6% QoQ
|
-$162.6M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$167.5M
+5.2% YoY
-3.8% QoQ
|
-$159.3M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.83%
+14.2% YoY
+1.1% QoQ
|
-0.49% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.08%
+0.9% YoY
+2.6% QoQ
|
-0.91% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.0% in tier |
| Efficiency Ratio ? |
69.46%
-4.6% YoY
-0.5% QoQ
|
+4.98% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
1.20%
+444.8% YoY
+118.0% QoQ
|
+0.28% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
57.20%
+3.4% YoY
+7.7% QoQ
|
-20.75% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 14.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.36%
-12.1% YoY
-2.4% QoQ
|
-2.67% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.61%
+464.9% YoY
+132.8% QoQ
|
-0.06% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
13.30%
-1.8% YoY
+1.8% QoQ
|
-2.61% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.25%
+3.4% YoY
+109.1% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
64% |
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 |
19.4%
-2.7pp YoY -0.5pp QoQ |
-2.8pp | 22.1% | 20.1% | 22.2% | 42% |
| 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 |
13.1%
+0.9pp YoY -0.5pp QoQ |
+1.5pp | 11.6% | 14.7% | 12.5% | 68% |
| CRE |
33.0%
-2.6pp YoY +2.0pp QoQ |
-6.5pp | 39.5% | 37.9% | 41.4% | 40% |
| 1-4 Family |
19.8%
+1.9pp YoY +0.5pp QoQ |
-12.8pp | 32.6% | 28.3% | 31.3% | 29% |
| Consumer |
0.9%
-0.3pp YoY -0.1pp QoQ |
-3.2pp | 4.1% | 5.4% | 5.0% | 26% |
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 |
13.3%
-0.2pp YoY +0.2pp QoQ |
+1.1pp | 12.2% | 12.2% | 12.6% | 77% |
| 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 |
27
+1 (+3.8%) YoY +1 (+3.8%) QoQ |
-32 | 58 | 228 | 482 | 22% |
| Assets per Employee ($) |
$7.0M
+1.0% YoY -6.6% QoQ |
-$479K | $7.5M | $8.3M | $8.8M | 53% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.2%
+1.0pp YoY +0.6pp QoQ |
+0.3pp | 0.9% | 1.1% | 1.0% | 76% |
| Allowance Coverage |
1.26x
-80.1% YoY -55.0% QoQ |
-22.89x | 24.15x | 5.62x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 15% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
+0.6pp YoY -0.1pp QoQ |
-4.4pp | 12.2% | 10.5% | 11.6% | 24% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 40% |
| Net Income ($, YTD) |
$807,000
+24.0% YoY — QoQ |
-$1.7M | $2.6M | $11.7M | $40.4M | 20% |
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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.