BlastPoint's Banking Scorecard
Marseilles Bank
Designations: ✓ Community bank
Marseilles, IL
2 branches across 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +5.1% year over year ($68.1M on the books).
- Delinquency rate 1.03%.
- Return on assets 0.34%.
- Efficiency ratio 75.90% vs a 119.40% peer average.
- Loan-to-deposit ratio 52.28% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Marseilles Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 43.50% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.48% below tier average
- - ROA 0.66% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.6M
+0.3% YoY
-1.3% QoQ
|
+$15.2M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$35.6M
+6.5% YoY
-1.8% QoQ
|
+$736K |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$68.1M
+5.1% YoY
-1.6% QoQ
|
+$16.5M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
0.34%
+152.0% YoY
|
-0.66% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
2.44%
+25.8% YoY
+3.9% QoQ
|
-1.48% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio ? |
75.90%
-18.3% YoY
-4.7% QoQ
|
-43.50% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
1.03%
+42.8% YoY
+36.3% QoQ
|
-0.45% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
52.28%
+1.3% YoY
-0.3% QoQ
|
-21.93% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
28.13%
+20.3% YoY
+18.0% QoQ
|
+4.64% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.47%
+51.6% YoY
+35.6% QoQ
|
-0.36% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
20.06%
+19.3% YoY
+20.8% QoQ
|
-7.07% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.12%
+6.7% YoY
+94.2% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
47% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
28.1%
+4.7pp YoY +4.3pp QoQ |
+3.5pp | 24.6% | 20.1% | 22.2% | 67% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
1.6%
+0.2pp YoY -0.1pp QoQ |
-11.8pp | 13.4% | 14.7% | 12.5% | 5% |
| CRE |
15.6%
+3.6pp YoY +2.0pp QoQ |
-9.6pp | 25.2% | 37.9% | 41.4% | 34% |
| 1-4 Family |
66.9%
-0.2pp YoY -0.1pp QoQ |
+32.0pp | 35.0% | 28.3% | 31.3% | 84% |
| Consumer |
15.0%
-2.1pp YoY -0.6pp QoQ |
+7.4pp | 7.7% | 5.4% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.1%
+3.2pp YoY +3.4pp QoQ |
-18.6pp | 38.7% | 19.9% | 19.7% | 47% |
| Leverage Ratio |
8.3%
+0.2pp YoY +0.1pp QoQ |
-9.4pp | 17.7% | 12.2% | 12.6% | 4% |
| Total Capital Ratio |
21.2%
+3.5pp YoY +3.6pp QoQ |
-18.5pp | 39.7% | 20.9% | 20.8% | 48% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 228 | 482 | 43% |
| Assets per Employee ($) |
$7.8M
+0.3% YoY -1.3% QoQ |
+$1.6M | $6.2M | $8.3M | $8.8M | 76% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.2pp YoY +0.3pp QoQ |
-0.4pp | 1.0% | 0.4% | 0.4% | 56% |
| Nonaccrual |
0.4%
+0.1pp YoY -0.1pp QoQ |
-1.3pp | 1.7% | 1.1% | 1.0% | 37% |
| Allowance Coverage |
1.03x
-29.6% YoY -31.1% QoQ |
-5.38x | 6.41x | 5.62x | 20.23x | 43% |
| Net Charge-off Rate (YTD) |
0.5%
+0.5pp YoY 0.0pp QoQ |
+0.4pp | 0.2% | 0.1% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.2%
+2.5pp YoY |
-0.2pp | 6.4% | 10.5% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.6% | 1.7% | 66% |
| Net Income ($, YTD) |
$130,000
+154.9% YoY — QoQ |
-$188K | $317,817 | $11.7M | $40.4M | 27% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.