BlastPoint

BlastPoint's Banking Scorecard

Bank of Stronghurst

under $100M Specialty: Agricultural IL FDIC cert 16413

Designations: ✓ Community bank

Stronghurst, IL

3 branches across IL

541 banks in the under $100M peer group nationally 61 in IL
View under $100M leaderboard (IL) →

Bank of Stronghurst has 2 strengths but faces 2 concerns

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

  • + Efficiency Ratio 5.58% below tier average
  • + Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.39% below tier average
  • - Net Interest Margin 1.04% below tier average
Get updates when Bank of Stronghurst releases new data →

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
+$24.6M $62.2M
-0.6% YoY
$2.3B
+4.5% YoY
$6.2B
+9.1% YoY
81%
Total Loans ? $39.3M
+6.7% YoY -6.2% QoQ
+$5.1M $34.2M
-1.4% YoY
$1.2B
+5.3% YoY
$3.2B
+10.8% YoY
62%
Total Deposits ? $76.9M
+0.1% YoY +1.9% QoQ
+$25.1M $51.7M
-0.7% YoY
$1.9B
+3.9% YoY
$4.8B
+8.2% YoY
Top 14.4% in tier
Return on Assets ? 0.44%
+39.0% YoY +17.3% QoQ
-0.39% 0.84%
-2.3% YoY
1.04%
+3.0% YoY
1.23%
+13.4% YoY
28%
Net Interest Margin ? 2.82%
+16.5% YoY +1.7% QoQ
-1.04% 3.86%
+2.8% YoY
3.61%
+7.5% YoY
3.89%
+5.7% YoY
Bottom 12.2% in tier
Efficiency Ratio ? 82.76%
-4.9% YoY +1.4% QoQ
-5.58% 88.34%
+0.3% YoY
63.68%
-7.4% YoY
66.95%
-4.1% YoY
30%
Delinquency Rate ? 1.12%
+64.3% YoY +0.3% QoQ
-0.25% 1.37%
+33.8% YoY
1.15%
+15.6% YoY
0.95%
+18.8% YoY
33%
Loan-to-Deposit Ratio ? 51.12%
+6.6% YoY -8.0% QoQ
-13.09% 64.22%
-0.7% YoY
71.92%
+1.0% YoY
76.70%
+0.9% YoY
69%
Non-Interest-Bearing Deposit Share ? 13.06%
+9.1% YoY -5.1% QoQ
-10.65% 23.71%
+0.3% YoY
20.45%
-1.2% YoY
22.01%
-1.2% YoY
20%
Nonperforming Asset Ratio ? 0.58%
+100.4% YoY -6.3% QoQ
-0.21% 0.79%
+28.2% YoY
0.78%
+18.1% YoY
0.67%
+19.3% YoY
36%
Tier 1 Capital Ratio ? 14.23%
+1.5% YoY -0.6% QoQ
-12.45% 26.68%
+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%
+1.9% YoY
0.34%
+6.9% YoY
0.32%
+4.1% YoY
28%

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).
Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

79
Total Deposits
size
Value: $76.89M
Peer Median: $51.74M
#79 of 541 Top 14.4% in under $100M
102
Total Assets
size
Value: $86.71M
Peer Median: $62.16M
#102 of 541 Top 18.7% in under $100M

Top Weaknesses (2 metrics)

476
Net Interest Margin
profitability
Value: 2.82%
Peer Median: 3.86%
#476 of 541 Bottom 12.2% in under $100M
435
Non-Interest-Bearing Deposit Share
funding
Value: 13.06%
Peer Median: 23.71%
#435 of 541 Bottom 19.8% in under $100M
Powered by BlastPoint © 2026