BlastPoint's Banking Scorecard
Bank of Stronghurst
Designations: ✓ Community bank
Stronghurst, IL
3 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 +0.1% year over year ($77.8M on the books).
- Delinquency rate 1.71%.
- Return on assets 0.45%.
- Efficiency ratio 83.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 52.17% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Stronghurst has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 35.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Net Interest Margin 1.08% below tier average
- - Delinquency Rate 0.23% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.6M
+0.6% YoY
+1.1% QoQ
|
+$25.2M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
83% |
| Total Loans ? |
$40.6M
+0.6% YoY
+3.3% QoQ
|
+$5.7M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$77.8M
+0.1% YoY
+1.2% QoQ
|
+$26.2M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Top 11.6% in tier |
| Return on Assets ? |
0.45%
+28.6% YoY
+1.6% QoQ
|
-0.55% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
2.83%
+10.8% YoY
+0.5% QoQ
|
-1.08% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 11.2% in tier |
| Efficiency Ratio ? |
83.73%
-1.8% YoY
+1.2% QoQ
|
-35.67% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
1.71%
+189.1% YoY
+52.9% QoQ
|
+0.23% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
52.17%
+0.5% YoY
+2.0% QoQ
|
-22.04% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
12.19%
-7.5% YoY
-6.7% QoQ
|
-11.30% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.86%
+151.1% YoY
+49.4% QoQ
|
+0.02% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
14.17%
+2.2% YoY
-0.4% QoQ
|
-12.95% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.07%
+6.4% YoY
+94.7% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
12.2%
-1.0pp YoY -0.9pp QoQ |
-12.5pp | 24.6% | 20.1% | 22.2% | 15% |
| 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 |
8.9%
+0.9pp YoY +0.5pp QoQ |
-4.5pp | 13.4% | 14.7% | 12.5% | 46% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
17.9%
-0.3pp YoY -0.3pp QoQ |
-17.1pp | 35.0% | 28.3% | 31.3% | 34% |
| Consumer |
2.6%
-1.0pp YoY 0.0pp QoQ |
-5.1pp | 7.7% | 5.4% | 5.0% | 27% |
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 |
14.2%
+0.3pp YoY -0.1pp QoQ |
-3.5pp | 17.7% | 12.2% | 12.6% | 64% |
| 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 |
17
+1 (+6.2%) YoY +1 (+6.2%) QoQ |
+5 | 12 | 228 | 482 | 81% |
| Assets per Employee ($) |
$5.2M
-5.3% YoY -4.9% QoQ |
-$1.0M | $6.2M | $8.3M | $8.8M | 39% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 10 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.7pp YoY +0.6pp QoQ |
-0.2pp | 1.0% | 0.4% | 0.4% | 63% |
| Nonaccrual |
1.0%
+0.4pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.1% | 1.0% | 56% |
| Allowance Coverage |
0.69x
-65.8% YoY -37.6% QoQ |
-5.72x | 6.41x | 5.62x | 20.23x | 32% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.1%
+0.4pp YoY +0.1pp QoQ |
-2.3pp | 6.4% | 10.5% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.6% | 1.7% | 52% |
| Net Income ($, YTD) |
$194,000
+29.3% YoY — QoQ |
-$124K | $317,817 | $11.7M | $40.4M | 36% |
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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.