BlastPoint's Banking Scorecard

Apple River State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 17453

Apple River, IL

8 branches across IL · WI

2664 banks in the $100M-$1B peer group nationally 211 in IL

Apple River State Bank has 3 strengths but faces 3 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 0.25% above tier average
+ Efficiency Ratio 11.27% below tier average
+ Delinquency Rate 0.66% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 29.7% in tier
- Credit Risk Growth: Bottom 31.7% in tier
- Net Interest Margin 0.69% below tier average

Get updates when Apple River State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$630.2M +3.1% YoY -1.3% QoQ	+$244.2M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$389.2M +6.6% YoY +0.5% QoQ	+$133.5M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$505.2M +3.2% YoY -3.0% QoQ	+$177.2M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.52% +25.8% YoY +14.2% QoQ	+0.25%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	69%
Net Interest Margin ?	3.24% +14.5% YoY +6.7% QoQ	-0.69%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	54.02% -7.7% YoY -5.2% QoQ	-11.27%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.23% +635.6% YoY -2.6% QoQ	-0.66%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	77.03% +3.3% YoY +3.6% QoQ	+0.39%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	13.19% +5.0% YoY +1.8% QoQ	-8.83%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	0.14% +145.6% YoY -0.8% QoQ	-0.50%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	14.59% +4.4% YoY +2.7% QoQ	-1.24%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.14% -0.2% YoY -73.8% QoQ	-0.14%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	69%

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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 (2)

Credit Quality Pressure

risk

#390 of 1308 • Bottom 29.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.23%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#309 of 973 • Bottom 31.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

462

Total Assets

size

Value: $630.24M

Peer Median: $386.08M

#462 of 2664 Top 17.3% in $100M-$1B

525

Total Deposits

size

Value: $505.19M

Peer Median: $327.97M

#525 of 2664 Top 19.7% in $100M-$1B

568

Total Loans

size

Value: $389.17M

Peer Median: $255.72M

#568 of 2664 Top 21.3% in $100M-$1B

641

Efficiency Ratio

profitability

Value: 54.02%

Peer Median: 65.29%

#641 of 2664 Top 24.0% in $100M-$1B

Top Weaknesses (2 metrics)

2185

Non-Interest-Bearing Deposit Share

funding

Value: 13.19%

Peer Median: 22.02%

#2185 of 2664 Bottom 18.0% in $100M-$1B

2146

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.93%

#2146 of 2664 Bottom 19.5% in $100M-$1B