BlastPoint's Banking Scorecard

Milledgeville State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 15873

Milledgeville, 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 +10.6% year over year ($170.6M on the books).
Delinquency rate 0.28%.
Return on assets 0.80%.
Efficiency ratio 51.64% vs a 64.48% peer average.
Loan-to-deposit ratio 81.01% 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) →

Milledgeville 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

+ Efficiency Ratio 12.84% below tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 23.5% in tier
- Net Interest Margin 0.90% below tier average

Get updates when Milledgeville 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 ?	$215.2M +11.0% YoY +1.2% QoQ	-$171.4M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$138.2M +15.7% YoY +0.5% QoQ	-$120.1M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	31%
Total Deposits ?	$170.6M +10.6% YoY +0.8% QoQ	-$156.1M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	0.80% -24.0% YoY -18.5% QoQ	-0.52%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	3.08% +18.3% YoY +3.3% QoQ	-0.90%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 12.2% in tier
Efficiency Ratio ?	51.64% -8.8% YoY -8.7% QoQ	-12.84%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.28% -64.9% YoY	-0.64%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	59%
Loan-to-Deposit Ratio ?	81.01% +4.6% YoY -0.3% QoQ	+3.06%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	13.16% +42.3% YoY -0.5% QoQ	-8.87%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	18%
Nonperforming Asset Ratio ?	0.18% -63.5% YoY	-0.49%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	62%
Tier 1 Capital Ratio ?	13.76% -8.5% YoY -1.5% QoQ	-2.14%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.08% -9.9% YoY +114.6% QoQ	-0.49%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Bottom 11.8% in tier

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	13.2% +3.9pp YoY -0.1pp QoQ	-9.0pp	22.1%	20.1%	22.2%	18%
Brokered Deposits	24.3% +2.3pp YoY -0.7pp QoQ	+16.4pp	7.9%	8.0%	8.5%	94%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	26.1% +1.2pp YoY +0.5pp QoQ	+14.6pp	11.6%	14.7%	12.5%	94%
CRE	n/a	n/a	39.5%	37.9%	41.4%	n/a
1-4 Family	6.1% -0.6pp YoY -0.2pp QoQ	-26.5pp	32.6%	28.3%	31.3%	6%
Consumer	1.0% +0.1pp YoY +0.2pp QoQ	-3.1pp	4.1%	5.4%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	13.8% -1.3pp YoY -0.2pp QoQ	-5.1pp	18.8%	19.9%	19.7%	37%
Leverage Ratio	10.5% -0.9pp YoY -0.1pp QoQ	-1.7pp	12.2%	12.2%	12.6%	41%
Total Capital Ratio	14.9% -1.0pp YoY +0.1pp QoQ	-5.1pp	19.9%	20.9%	20.8%	36%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	12 +1 (+9.1%) YoY +1 (+9.1%) QoQ	-47	58	228	482	2%
Assets per Employee ($)	$17.9M +1.8% YoY -7.2% QoQ	+$10.4M	$7.5M	$8.3M	$8.8M	99%
Branch Count	1 0 YoY 0 QoQ	-4	4	10	18	0%

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	0.3% -0.5pp YoY	-0.7pp	0.9%	1.1%	1.0%	37%
Allowance Coverage	4.60x +273.9% YoY	-19.56x	24.15x	5.62x	20.23x	68%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	8.4% -2.8pp YoY -1.9pp QoQ	-3.8pp	12.2%	10.5%	11.6%	28%
Cost of Funds (YTD)	2.8% -0.2pp YoY 0.0pp QoQ	+1.1pp	1.7%	1.6%	1.7%	95%
Net Income ($, YTD)	$850,000 -15.2% YoY — QoQ	-$1.7M	$2.6M	$11.7M	$40.4M	22%

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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 (1)

Margin Compression

decline

#73 of 307 • Bottom 23.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.80%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

533

Efficiency Ratio

profitability

Value: 51.64%

Peer Median: 64.48%

#533 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (4 metrics)

2333

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2333 of 2643 Bottom 11.8% in $100M-$1B

2321

Net Interest Margin

profitability

Value: 3.08%

Peer Median: 3.99%

#2321 of 2643 Bottom 12.2% in $100M-$1B

2169

Non-Interest-Bearing Deposit Share

funding

Value: 13.16%

Peer Median: 22.03%

#2169 of 2643 Bottom 18.0% in $100M-$1B

2033

Return on Assets

profitability

Value: 0.80%

Peer Median: 1.32%

#2033 of 2643 Bottom 23.1% in $100M-$1B