BlastPoint's Banking Scorecard
Table Grove State Bank
Designations: ✓ Community bank
Table Grove, 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 +2.0% year over year ($40.2M on the books).
- Delinquency rate 1.67%.
- Return on assets -0.19%.
- Efficiency ratio 98.83% vs a 119.40% peer average.
- Loan-to-deposit ratio 80.57% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Table Grove State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.52% above tier average
- + Efficiency Ratio 20.56% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Delinquency Rate 0.18% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$45.9M
+1.9% YoY
-4.0% QoQ
|
-$16.5M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$32.4M
+0.7% YoY
-1.9% QoQ
|
-$2.5M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$40.2M
+2.0% YoY
-4.6% QoQ
|
-$11.5M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
-0.19%
-121.1% YoY
+57.2% QoQ
|
-1.18% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.2% in tier |
| Net Interest Margin ? |
4.43%
-3.2% YoY
+2.2% QoQ
|
+0.52% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
98.83%
+20.8% YoY
-0.3% QoQ
|
-20.56% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate ? |
1.67%
-79.9% YoY
+663.3% QoQ
|
+0.18% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
80.57%
-1.2% YoY
+2.8% QoQ
|
+6.36% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
21.48%
-2.7% YoY
-4.2% QoQ
|
-2.01% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
1.17%
-80.1% YoY
+679.9% QoQ
|
+0.34% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
12.49%
-1.7% YoY
+1.4% QoQ
|
-14.64% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.24%
+2.7% YoY
+92.7% QoQ
|
-1.14% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
77% |
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 |
21.5%
-0.6pp YoY -0.9pp QoQ |
-3.2pp | 24.6% | 20.1% | 22.2% | 42% |
| 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 |
11.9%
+1.7pp YoY +0.1pp QoQ |
-1.5pp | 13.4% | 14.7% | 12.5% | 58% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
0.8%
+0.1pp YoY 0.0pp QoQ |
-34.2pp | 35.0% | 28.3% | 31.3% | 6% |
| Consumer |
13.3%
-0.4pp YoY -0.4pp QoQ |
+5.6pp | 7.7% | 5.4% | 5.0% | 86% |
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 |
12.5%
-0.2pp YoY +0.2pp QoQ |
-5.2pp | 17.7% | 12.2% | 12.6% | 47% |
| 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 |
11
+1 (+10.0%) YoY 0 QoQ |
-1 | 12 | 228 | 482 | 50% |
| Assets per Employee ($) |
$4.2M
-7.3% YoY -4.0% QoQ |
-$2.0M | $6.2M | $8.3M | $8.8M | 23% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.5%
-6.0pp YoY +1.4pp QoQ |
+0.5pp | 1.0% | 0.4% | 0.4% | 84% |
| Nonaccrual |
0.2%
-0.7pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 1.1% | 1.0% | 22% |
| Allowance Coverage |
0.63x
+405.8% YoY -86.8% QoQ |
-5.78x | 6.41x | 5.62x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY -0.2pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-1.6%
-9.3pp YoY +2.1pp QoQ |
-7.9pp | 6.4% | 10.5% | 11.6% | 10% |
| Cost of Funds (YTD) |
0.9%
+0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.6% | 1.7% | 22% |
| Net Income ($, YTD) |
$-44000.0
-120.9% YoY — QoQ |
-$362K | $317,817 | $11.7M | $40.4M | 11% |
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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.