BlastPoint's Banking Scorecard

The State Bank of Pearl City

under $100M Specialty: Other IL FDIC cert 16344

Designations: ✓ Community bank

Pearl City, IL

2 branches across IL

541 banks in the under $100M peer group nationally 61 in IL

The State Bank of Pearl City demonstrates 3 strengths

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

+ ROA 0.21% above tier average
+ Net Interest Margin 0.08% above tier average
+ Efficiency Ratio 15.68% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$68.3M -2.3% YoY -1.7% QoQ	+$6.1M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$31.6M -2.1% YoY +0.6% QoQ	-$2.6M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	49%
Total Deposits ?	$60.7M -3.5% YoY -2.0% QoQ	+$8.9M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	1.05% +491.8% YoY	+0.21%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	3.94% +11.5% YoY +10.3% QoQ	+0.08%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	72.66% -5.4% YoY +1.8% QoQ	-15.68%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	1.32% +28.9% YoY -14.3% QoQ	-0.05%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	52.16% +1.4% YoY +2.7% QoQ	-12.06%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	21.92% +9.3% YoY +6.4% QoQ	-1.80%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.61% +29.1% YoY -12.3% QoQ	-0.17%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	11.28% +7.4% YoY +10.0% QoQ	-15.40%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.03% +130.2% YoY -66.1% QoQ	-0.64%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	20%

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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 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

456

Tier 1 Capital Ratio

capital

Value: 11.28%

Peer Median: 26.68%

#456 of 541 Bottom 15.9% in under $100M

433

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#433 of 541 Bottom 20.1% in under $100M