BlastPoint's Banking Scorecard

Apple River State Bank

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

Apple River, IL

8 branches across IL · WI

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 +6.5% year over year ($548.3M on the books).
Delinquency rate 0.24%.
Return on assets 1.57%.
Efficiency ratio 53.91% vs a 64.48% peer average.
Loan-to-deposit ratio 71.91% 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) →

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 10.57% below tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 28.6% in tier
- Credit Risk Growth: Bottom 32.2% in tier
- Net Interest Margin 0.72% below tier average

Get updates when Apple River 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 ?	$675.2M +7.1% YoY +7.1% QoQ	+$288.7M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Top 13.8% in tier
Total Loans ?	$394.3M +6.6% YoY +1.3% QoQ	+$135.9M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	79%
Total Deposits ?	$548.3M +6.5% YoY +8.5% QoQ	+$221.6M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	1.57% +22.3% YoY +3.0% QoQ	+0.25%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	69%
Net Interest Margin ?	3.27% +12.2% YoY +0.9% QoQ	-0.72%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	53.91% -6.0% YoY -0.2% QoQ	-10.57%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	75%
Delinquency Rate ?	0.24% +277.6% YoY +4.9% QoQ	-0.68%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	62%
Loan-to-Deposit Ratio ?	71.91% +0.1% YoY -6.6% QoQ	-6.04%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	66%
Non-Interest-Bearing Deposit Share ?	12.30% +2.1% YoY -6.8% QoQ	-9.73%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	15%
Nonperforming Asset Ratio ?	0.14% +86.7% YoY -0.8% QoQ	-0.53%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	67%
Tier 1 Capital Ratio ?	14.75% +4.2% YoY +1.1% QoQ	-1.16%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	64%
Non-Interest Income / Assets ?	0.25% -3.9% YoY +84.5% QoQ	-0.31%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	64%

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	12.3% +0.3pp YoY -0.9pp QoQ	-9.8pp	22.1%	20.1%	22.2%	15%
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	9.4% -2.6pp YoY -0.5pp QoQ	-2.1pp	11.6%	14.7%	12.5%	49%
CRE	22.3% +0.9pp YoY +0.8pp QoQ	-17.2pp	39.5%	37.9%	41.4%	22%
1-4 Family	27.3% -0.3pp YoY -0.3pp QoQ	-5.4pp	32.6%	28.3%	31.3%	45%
Consumer	2.9% -0.2pp YoY +0.2pp QoQ	-1.2pp	4.1%	5.4%	5.0%	59%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	14.8% +0.6pp YoY +0.2pp QoQ	-4.1pp	18.8%	19.9%	19.7%	47%
Leverage Ratio	9.7% +0.5pp YoY +0.1pp QoQ	-2.4pp	12.2%	12.2%	12.6%	26%
Total Capital Ratio	15.6% +0.6pp YoY +0.2pp QoQ	-4.3pp	19.9%	20.9%	20.8%	44%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	63 0 YoY 0 QoQ	+4	58	228	482	66%
Assets per Employee ($)	$10.7M +7.1% YoY +7.1% QoQ	+$3.2M	$7.5M	$8.3M	$8.8M	89%
Branch Count	8 0 YoY 0 QoQ	+3	4	10	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.2% +0.2pp YoY 0.0pp QoQ	-0.7pp	0.9%	1.1%	1.0%	33%
Allowance Coverage	4.13x -73.2% YoY -5.5% QoQ	-20.02x	24.15x	5.62x	20.23x	66%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	29%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	19.8% +0.5pp YoY +0.8pp QoQ	+7.6pp	12.2%	10.5%	11.6%	88%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.6%	1.7%	65%
Net Income ($, YTD)	$5.1M +27.9% YoY — QoQ	+$2.5M	$2.6M	$11.7M	$40.4M	88%

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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

#360 of 1256 • Bottom 28.6% in tier

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

Why this signature

Delinquency Rate: 0.24%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#302 of 936 • Bottom 32.2% in tier

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

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

367

Total Assets

size

Value: $675.23M

Peer Median: $386.57M

#367 of 2643 Top 13.8% in $100M-$1B

425

Total Deposits

size

Value: $548.30M

Peer Median: $326.73M

#425 of 2643 Top 16.0% in $100M-$1B

560

Total Loans

size

Value: $394.30M

Peer Median: $258.35M

#560 of 2643 Top 21.2% in $100M-$1B

Top Weaknesses (2 metrics)

2240

Non-Interest-Bearing Deposit Share

funding

Value: 12.30%

Peer Median: 22.03%

#2240 of 2643 Bottom 15.3% in $100M-$1B

2156

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.99%

#2156 of 2643 Bottom 18.5% in $100M-$1B