BlastPoint's Banking Scorecard
Princeville State Bank
Princeville, IL
2 branches across IL
Princeville State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.44% above tier average
- + Efficiency Ratio 11.54% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 46.2% in tier
- - Delinquency Rate 2.69% above tier average
- - Nonperforming Asset Ratio 1.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.4M
+7.3% YoY
-0.5% QoQ
|
-$265.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.0% in tier |
| Total Loans ? |
$65.7M
+18.6% YoY
+5.5% QoQ
|
-$190.0M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.3% in tier |
| Total Deposits ? |
$98.3M
+1.6% YoY
-0.9% QoQ
|
-$229.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.1% in tier |
| Return on Assets ? |
1.43%
+234.8% YoY
-6.4% QoQ
|
+0.16% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
64% |
| Net Interest Margin ? |
4.37%
-2.2% YoY
-1.3% QoQ
|
+0.44% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
53.74%
+8.3% YoY
-1.6% QoQ
|
-11.54% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
3.58%
+500.4% YoY
-4.6% QoQ
|
+2.69% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.2% in tier |
| Loan-to-Deposit Ratio ? |
66.85%
+16.8% YoY
+6.5% QoQ
|
-9.79% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
19.77%
+9.3% YoY
+8.2% QoQ
|
-2.25% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
2.03%
+438.5% YoY
+1.1% QoQ
|
+1.39% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.6% in tier |
| Tier 1 Capital Ratio ? |
9.28%
-24.5% YoY
+2.5% QoQ
|
-6.55% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.1% in tier |
| Non-Interest Income / Assets ? |
0.20%
-7.9% YoY
-75.6% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 14.0% in tier |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.