BlastPoint's Banking Scorecard

Milledgeville State Bank

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

Milledgeville, IL

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

Milledgeville State Bank has 3 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 8.71% below tier average

Key Concerns

Areas that may need attention

- ROA 0.29% below tier average
- Net Interest Margin 0.94% below 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 ?	$212.7M +13.6% YoY +0.8% QoQ	-$173.4M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	30%
Total Loans ?	$137.6M +22.6% YoY +1.9% QoQ	-$118.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$169.3M +14.0% YoY +3.4% QoQ	-$158.6M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	26%
Return on Assets ?	0.98% +5.8% YoY -7.8% QoQ	-0.29%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	2.99% +18.4% YoY +8.2% QoQ	-0.94%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 11.1% in tier
Efficiency Ratio ?	56.57% -10.0% YoY +3.3% QoQ	-8.71%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	81.25% +7.5% YoY -1.4% QoQ	+4.61%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	44%
Non-Interest-Bearing Deposit Share ?	13.22% +18.1% YoY +37.3% QoQ	-8.80%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.98% -9.2% YoY -1.8% QoQ	-1.85%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.04% -16.4% YoY -78.0% QoQ	-0.24%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Bottom 11.2% in tier

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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 (0)

No matched concern signatures this quarter

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (3 metrics)

2370

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.93%

#2370 of 2664 Bottom 11.1% in $100M-$1B

2367

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2367 of 2664 Bottom 11.2% in $100M-$1B

2184

Non-Interest-Bearing Deposit Share

funding

Value: 13.22%

Peer Median: 22.02%

#2184 of 2664 Bottom 18.1% in $100M-$1B