BlastPoint's Banking Scorecard
Bank of Stronghurst
Designations: ✓ Community bank
Stronghurst, IL
3 branches across IL
Bank of Stronghurst has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.87% below tier average
- + Delinquency Rate 0.24% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Net Interest Margin 1.05% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.7M
-0.6% YoY
+1.1% QoQ
|
+$24.4M |
$62.3M
-0.5% YoY
|
$2.3B
+4.2% YoY
|
$6.2B
+9.0% YoY
|
81% |
| Total Loans ? |
$39.3M
+6.7% YoY
-6.2% QoQ
|
+$5.0M |
$34.3M
-1.5% YoY
|
$1.2B
+5.0% YoY
|
$3.2B
+10.7% YoY
|
62% |
| Total Deposits ? |
$76.9M
+0.1% YoY
+1.9% QoQ
|
+$25.1M |
$51.8M
-0.6% YoY
|
$1.9B
+3.6% YoY
|
$4.8B
+8.0% YoY
|
Top 14.5% in tier |
| Return on Assets ? |
0.44%
+39.0% YoY
+17.3% QoQ
|
-0.41% |
0.86%
-3.6% YoY
|
1.04%
+2.4% YoY
|
1.24%
+13.1% YoY
|
27% |
| Net Interest Margin ? |
2.82%
+16.5% YoY
+1.7% QoQ
|
-1.05% |
3.87%
+2.7% YoY
|
3.61%
+7.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.7% in tier |
| Efficiency Ratio ? |
82.76%
-4.9% YoY
+1.4% QoQ
|
-4.87% |
87.63%
+2.3% YoY
|
63.68%
-7.1% YoY
|
66.84%
-3.8% YoY
|
30% |
| Delinquency Rate ? |
1.12%
+64.3% YoY
+0.3% QoQ
|
-0.24% |
1.36%
+33.7% YoY
|
1.15%
+15.2% YoY
|
0.95%
+18.8% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
51.12%
+6.6% YoY
-8.0% QoQ
|
-12.99% |
64.11%
-0.9% YoY
|
71.92%
+0.7% YoY
|
76.69%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
13.06%
+9.1% YoY
-5.1% QoQ
|
-10.72% |
23.79%
+0.5% YoY
|
20.45%
-1.0% YoY
|
22.01%
-1.1% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.58%
+100.4% YoY
-6.3% QoQ
|
-0.20% |
0.77%
+28.7% YoY
|
0.78%
+18.6% YoY
|
0.66%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
14.23%
+1.5% YoY
-0.6% QoQ
|
-12.54% |
26.77%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.04%
+7.6% YoY
-76.6% QoQ
|
-0.63% |
0.67%
+1.6% YoY
|
0.34%
+6.6% YoY
|
0.32%
+4.0% YoY
|
28% |
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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.