BlastPoint's Banking Scorecard
Jersey State Bank
Jerseyville, IL
2 branches across IL
Jersey State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 35.9% in tier
- - ROA 0.45% below tier average
- - Net Interest Margin 0.93% below tier average
- - Efficiency Ratio 4.53% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.9M
+7.9% YoY
-1.2% QoQ
|
-$190.2M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$92.5M
+4.8% YoY
+0.5% QoQ
|
-$163.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
17% |
| Total Deposits ? |
$174.0M
+8.7% YoY
-1.2% QoQ
|
-$154.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
0.82%
+40.8% YoY
+14.6% QoQ
|
-0.45% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.00%
+6.9% YoY
-0.2% QoQ
|
-0.93% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio ? |
69.82%
-11.8% YoY
-2.2% QoQ
|
+4.53% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.55%
-64.8% YoY
+112.7% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
53.13%
-3.6% YoY
+1.8% QoQ
|
-23.51% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 12.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.83%
-35.1% YoY
-8.5% QoQ
|
-2.18% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.26%
-65.8% YoY
+116.6% QoQ
|
-0.38% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
54% |
| Tier 1 Capital Ratio ? |
13.06%
-5.5% YoY
+9.9% QoQ
|
-2.77% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.12%
-5.7% YoY
-73.2% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
63% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.