BlastPoint's Banking Scorecard

La Salle State Bank

$100M-$1B Specialty: Commercial IL FDIC cert 12410

La Salle, IL

3 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

La Salle State Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 21.3% in tier
- Efficiency Drag: Bottom 46.6% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Net Interest Margin 1.16% below tier average
- ROA 0.76% below tier average
- Delinquency Rate 1.32% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$184.6M +1.3% YoY +1.1% QoQ	-$201.5M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$84.4M -3.4% YoY -3.2% QoQ	-$171.4M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 13.2% in tier
Total Deposits ?	$154.1M -1.3% YoY +1.7% QoQ	-$173.8M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	0.51% +87.2% YoY +0.5% QoQ	-0.76%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 13.4% in tier
Net Interest Margin ?	2.77% +10.5% YoY +0.7% QoQ	-1.16%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 6.4% in tier
Efficiency Ratio ?	82.03% -7.8% YoY +0.0% QoQ	+16.75%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 12.9% in tier
Delinquency Rate ?	2.20% +245.6% YoY	+1.32%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 10.6% in tier
Loan-to-Deposit Ratio ?	54.72% -2.2% YoY -4.8% QoQ	-21.91%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 13.3% in tier
Non-Interest-Bearing Deposit Share ?	11.46% -5.9% YoY -6.4% QoQ	-10.56%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 13.8% in tier
Nonperforming Asset Ratio ?	1.01% +229.4% YoY	+0.37%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	16.73% +6.3% YoY +2.9% QoQ	+0.90%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.11% +4.6% YoY -76.9% QoQ	-0.17%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	56%

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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 (3)

Flatlined Growth

risk

#110 of 512 • Bottom 21.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.51%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#194 of 414 • Bottom 46.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.03%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Deposit Outflow

decline

#254 of 506 • Bottom 50.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

356

Loan-to-Deposit Ratio

liquidity

Value: 54.72%

Peer Median: 76.64%

#356 of 2664 Top 13.3% in $100M-$1B

641

Tier 1 Capital Ratio

capital

Value: 16.73%

Peer Median: 15.83%

#641 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (9 metrics)

2494

Net Interest Margin

profitability

Value: 2.77%

Peer Median: 3.93%

#2494 of 2664 Bottom 6.4% in $100M-$1B

2373

Delinquency Rate

credit_quality

Value: 2.20%

Peer Median: 0.89%

#2373 of 2654 Bottom 10.6% in $100M-$1B

2322

Efficiency Ratio

profitability

Value: 82.03%

Peer Median: 65.29%

#2322 of 2664 Bottom 12.9% in $100M-$1B

2313

Total Loans

size

Value: $84.36M

Peer Median: $255.72M

#2313 of 2664 Bottom 13.2% in $100M-$1B

2309

Return on Assets

profitability

Value: 0.51%

Peer Median: 1.27%

#2309 of 2664 Bottom 13.4% in $100M-$1B

2298

Non-Interest-Bearing Deposit Share

funding

Value: 11.46%

Peer Median: 22.02%

#2298 of 2664 Bottom 13.8% in $100M-$1B

2150

Nonperforming Asset Ratio

credit_quality

Value: 1.01%

Peer Median: 0.64%

#2150 of 2664 Bottom 19.3% in $100M-$1B

2065

Total Deposits

size

Value: $154.15M

Peer Median: $327.97M

#2065 of 2664 Bottom 22.5% in $100M-$1B

2061

Total Assets

size

Value: $184.59M

Peer Median: $386.08M

#2061 of 2664 Bottom 22.7% in $100M-$1B