BlastPoint's Banking Scorecard
The State Bank of Pearl City
Designations: ✓ Community bank
Pearl City, 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 +0.2% year over year ($65.7M on the books).
- Delinquency rate 0.71%.
- Return on assets 0.71%.
- Efficiency ratio 72.50% vs a 119.40% peer average.
- Loan-to-deposit ratio 48.38% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The State Bank of Pearl City has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 46.89% below tier average
- + Delinquency Rate 0.77% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Net Interest Margin 0.08% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.4M
+0.8% YoY
+7.7% QoQ
|
+$11.0M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$31.8M
+0.7% YoY
+0.8% QoQ
|
-$3.1M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$65.7M
+0.2% YoY
+8.3% QoQ
|
+$14.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
0.71%
+273.8% YoY
+79.8% QoQ
|
-0.29% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
3.83%
+11.4% YoY
-2.7% QoQ
|
-0.08% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
72.50%
-5.9% YoY
-0.2% QoQ
|
-46.89% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.71%
-47.7% YoY
-46.5% QoQ
|
-0.77% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
48.38%
+0.5% YoY
-6.9% QoQ
|
-25.83% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
30.27%
+27.1% YoY
+38.1% QoQ
|
+6.78% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.31%
-47.7% YoY
-49.9% QoQ
|
-0.53% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
11.31%
+3.6% YoY
+1.7% QoQ
|
-15.82% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.04%
+35.3% YoY
+54.8% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.0% in tier |
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 |
30.3%
+6.5pp YoY +8.3pp QoQ |
+5.6pp | 24.6% | 20.1% | 22.2% | 73% |
| 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 |
2.4%
-0.1pp YoY -0.1pp QoQ |
-11.1pp | 13.4% | 14.7% | 12.5% | 7% |
| CRE |
17.9%
+11.7pp YoY +2.9pp QoQ |
-7.3pp | 25.2% | 37.9% | 41.4% | 42% |
| 1-4 Family |
36.2%
-5.4pp YoY -3.3pp QoQ |
+1.2pp | 35.0% | 28.3% | 31.3% | 57% |
| Consumer |
41.4%
-5.1pp YoY +0.7pp QoQ |
+33.7pp | 7.7% | 5.4% | 5.0% | 98% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
11.3%
+0.4pp YoY +0.2pp QoQ |
-6.4pp | 17.7% | 12.2% | 12.6% | 33% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
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 |
-0 | 12 | 228 | 482 | 56% |
| Assets per Employee ($) |
$6.1M
-7.6% YoY -1.3% QoQ |
-$72K | $6.2M | $8.3M | $8.8M | 53% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.2pp YoY -0.5pp QoQ |
-1.0pp | 1.7% | 1.1% | 1.0% | 49% |
| Allowance Coverage |
3.43x
+97.5% YoY +119.0% QoQ |
-2.98x | 6.41x | 5.62x | 20.23x | 73% |
| Net Charge-off Rate (YTD) |
-0.2%
-1.5pp YoY -1.3pp QoQ |
-0.4pp | 0.2% | 0.1% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
+4.8pp YoY +3.1pp QoQ |
+0.4pp | 6.4% | 10.5% | 11.6% | 42% |
| Cost of Funds (YTD) |
1.2%
-0.4pp YoY -0.1pp QoQ |
-0.2pp | 1.4% | 1.6% | 1.7% | 39% |
| Net Income ($, YTD) |
$250,000
+262.3% YoY — QoQ |
-$68K | $317,817 | $11.7M | $40.4M | 44% |
Get Full Access to The State Bank of Pearl City
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.