BlastPoint's Banking Scorecard

Princeville State Bank

$100M-$1B Specialty: Commercial IL FDIC cert 16900

Princeville, IL

2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +11.1% year over year ($102.6M on the books).
Delinquency rate 6.53%.
Return on assets 1.46%.
Efficiency ratio 53.42% vs a 64.48% peer average.
Loan-to-deposit ratio 67.41% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Princeville State Bank has 3 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

+ ROA 0.14% above tier average
+ Net Interest Margin 0.43% above tier average
+ Efficiency Ratio 11.06% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 5.61% above tier average
- Nonperforming Asset Ratio 3.04% above tier average

Get updates when Princeville State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$124.4M +15.1% YoY +3.3% QoQ	-$262.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 6.9% in tier
Total Loans ?	$69.2M +19.4% YoY +5.2% QoQ	-$189.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 7.1% in tier
Total Deposits ?	$102.6M +11.1% YoY +4.4% QoQ	-$224.1M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 5.9% in tier
Return on Assets ?	1.46% +439.9% YoY +2.1% QoQ	+0.14%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	4.42% -2.6% YoY +1.2% QoQ	+0.43%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	53.42% +6.5% YoY -0.6% QoQ	-11.06%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	6.53% +63.3% YoY +82.6% QoQ	+5.61%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 1.1% in tier
Loan-to-Deposit Ratio ?	67.41% +7.5% YoY +0.8% QoQ	-10.54%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	73%
Non-Interest-Bearing Deposit Share ?	17.44% -1.2% YoY -11.8% QoQ	-4.59%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	34%
Nonperforming Asset Ratio ?	3.70% +66.4% YoY +82.6% QoQ	+3.04%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 2.0% in tier
Tier 1 Capital Ratio ?	9.23% +1.9% YoY -0.5% QoQ	-6.68%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	Bottom 2.6% in tier
Non-Interest Income / Assets ?	0.39% -12.7% YoY +95.5% QoQ	-0.17%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	85%

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	17.4% -0.2pp YoY -2.3pp QoQ	-4.7pp	22.1%	20.1%	22.2%	33%
Brokered Deposits	n/a	n/a	7.9%	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	24.0% -10.1pp YoY -2.4pp QoQ	+12.4pp	11.6%	14.7%	12.5%	92%
CRE	42.3% +6.9pp YoY +2.4pp QoQ	+2.7pp	39.5%	37.9%	41.4%	57%
1-4 Family	9.9% -0.1pp YoY +0.3pp QoQ	-22.7pp	32.6%	28.3%	31.3%	11%
Consumer	9.7% +0.9pp YoY +0.1pp QoQ	+5.6pp	4.1%	5.4%	5.0%	92%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	9.2% +0.2pp YoY 0.0pp QoQ	-2.9pp	12.2%	12.2%	12.6%	16%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	19 +2 (+11.8%) YoY +2 (+11.8%) QoQ	-40	58	228	482	9%
Assets per Employee ($)	$6.5M +2.9% YoY -7.5% QoQ	-$970K	$7.5M	$8.3M	$8.8M	44%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	3.2%	+2.8pp	0.3%	0.4%	0.4%	99%
Nonaccrual	3.4% -0.6pp YoY -0.2pp QoQ	+2.4pp	0.9%	1.1%	1.0%	95%
Allowance Coverage	0.27x -48.4% YoY -48.0% QoQ	-23.89x	24.15x	5.62x	20.23x	2%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	15%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	10.9% +8.4pp YoY +0.3pp QoQ	-1.3pp	12.2%	10.5%	11.6%	42%
Cost of Funds (YTD)	1.6% -0.2pp YoY +0.1pp QoQ	-0.1pp	1.7%	1.6%	1.7%	42%
Net Income ($, YTD)	$891,000 +498.0% YoY — QoQ	-$1.7M	$2.6M	$11.7M	$40.4M	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

408

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.57%

#408 of 2643 Top 15.4% in $100M-$1B

644

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.99%

#644 of 2643 Top 24.3% in $100M-$1B

646

Efficiency Ratio

profitability

Value: 53.42%

Peer Median: 64.48%

#646 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (6 metrics)

2606

Delinquency Rate

credit_quality

Value: 6.53%

Peer Median: 0.92%

#2606 of 2633 Bottom 1.1% in $100M-$1B

2591

Nonperforming Asset Ratio

credit_quality

Value: 3.70%

Peer Median: 0.67%

#2591 of 2643 Bottom 2.0% in $100M-$1B

2576

Tier 1 Capital Ratio

capital

Value: 9.23%

Peer Median: 15.91%

#2576 of 2643 Bottom 2.6% in $100M-$1B

2487

Total Deposits

size

Value: $102.61M

Peer Median: $326.73M

#2487 of 2643 Bottom 5.9% in $100M-$1B

2461

Total Assets

size

Value: $124.42M

Peer Median: $386.57M

#2461 of 2643 Bottom 6.9% in $100M-$1B

2457

Total Loans

size

Value: $69.17M

Peer Median: $258.35M

#2457 of 2643 Bottom 7.1% in $100M-$1B