BlastPoint's Banking Scorecard

State Bank

$100M-$1B Specialty: Commercial IL FDIC cert 12706

Waterloo, IL

5 branches across IL · MO

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 +2.7% year over year ($267.0M on the books).
Delinquency rate 1.29%.
Return on assets 0.40%.
Efficiency ratio 84.93% vs a 64.48% peer average.
Loan-to-deposit ratio 76.65% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

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

- Capital Thin: Bottom 7.3% in tier
- Efficiency Drag: Bottom 18.3% in tier
- Return on Assets 0.92% below tier average
- Nonperforming Asset Ratio 1.29% above tier average
- Net Interest Margin 0.68% below tier average
- Delinquency Rate 0.38% above tier average

Get updates when State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$295.8M -3.2% YoY -7.6% QoQ	-$90.7M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$204.7M +12.4% YoY +3.2% QoQ	-$53.7M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$267.0M +2.7% YoY -8.5% QoQ	-$59.8M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	48%
Return on Assets ?	0.40% -34.3% YoY +33.8% QoQ	-0.92%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 9.8% in tier
Net Interest Margin ?	3.31% +22.6% YoY +6.2% QoQ	-0.68%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	84.93% +12.8% YoY -5.0% QoQ	+20.45%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 9.0% in tier
Delinquency Rate ?	1.29% +33.8% YoY -55.7% QoQ	+0.38%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	76.65% +9.4% YoY +12.7% QoQ	-1.30%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	56%
Non-Interest-Bearing Deposit Share ?	16.62% +11.0% YoY +15.5% QoQ	-5.41%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	1.96% +239.4% YoY +8.1% QoQ	+1.29%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 7.6% in tier
Tier 1 Capital Ratio ?	10.54% -3.8% YoY -0.5% QoQ	-5.37%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.20% -62.4% YoY +129.4% QoQ	-0.36%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	50%

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	16.6% +1.6pp YoY +2.2pp QoQ	-5.5pp	22.1%	20.1%	22.2%	30%
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	7.1% -0.4pp YoY +0.7pp QoQ	-4.5pp	11.6%	14.7%	12.5%	33%
CRE	56.2% +0.9pp YoY -0.3pp QoQ	+16.7pp	39.5%	37.9%	41.4%	80%
1-4 Family	26.3% -0.1pp YoY -0.1pp QoQ	-6.3pp	32.6%	28.3%	31.3%	43%
Consumer	0.8% -0.5pp YoY -0.1pp QoQ	-3.4pp	4.1%	5.4%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	10.5% -0.4pp YoY -0.1pp QoQ	-8.3pp	18.8%	19.9%	19.7%	5%
Leverage Ratio	9.2% +0.3pp YoY +0.2pp QoQ	-2.9pp	12.2%	12.2%	12.6%	16%
Total Capital Ratio	11.4% -0.5pp YoY -0.1pp QoQ	-8.5pp	19.9%	20.9%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	54 +5 (+10.2%) YoY 0 QoQ	-5	58	228	482	57%
Assets per Employee ($)	$5.5M -12.2% YoY -7.6% QoQ	-$2.0M	$7.5M	$8.3M	$8.8M	22%
Branch Count	5 0 YoY 0 QoQ	0	4	10	18	55%

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	1.3% +0.3pp YoY -1.6pp QoQ	+0.4pp	0.9%	1.1%	1.0%	78%
Allowance Coverage	0.85x -39.0% YoY +122.7% QoQ	-23.30x	24.15x	5.62x	20.23x	22%
Net Charge-off Rate (YTD)	0.7% +0.6pp YoY -0.7pp QoQ	+0.5pp	0.1%	0.1%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	5.5% -4.0pp YoY +1.3pp QoQ	-6.6pp	12.2%	10.5%	11.6%	15%
Cost of Funds (YTD)	2.0% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	69%
Net Income ($, YTD)	$618,000 -33.8% YoY — QoQ	-$1.9M	$2.6M	$11.7M	$40.4M	14%

Get Full Access to State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (2)

Capital Thin

risk

#49 of 661 • Bottom 7.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.54%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Efficiency Drag

risk

#67 of 361 • Bottom 18.3% in tier

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

Why this signature

Efficiency Ratio: 84.93%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2442

Nonperforming Asset Ratio

credit_quality

Value: 1.96%

Peer Median: 0.67%

#2442 of 2643 Bottom 7.6% in $100M-$1B

2407

Efficiency Ratio

profitability

Value: 84.93%

Peer Median: 64.48%

#2407 of 2643 Bottom 9.0% in $100M-$1B

2384

Return on Assets

profitability

Value: 0.40%

Peer Median: 1.32%

#2384 of 2643 Bottom 9.8% in $100M-$1B

2188

Tier 1 Capital Ratio

capital

Value: 10.54%

Peer Median: 15.91%

#2188 of 2643 Bottom 17.3% in $100M-$1B

2115

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.99%

#2115 of 2643 Bottom 20.0% in $100M-$1B

2050

Delinquency Rate

credit_quality

Value: 1.29%

Peer Median: 0.92%

#2050 of 2633 Bottom 22.2% in $100M-$1B