BlastPoint's Banking Scorecard

State Bank of Whittington

$100M-$1B Specialty: Commercial IL FDIC cert 19689

Benton, IL

5 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 +2.6% year over year ($159.7M on the books).
Delinquency rate 4.48%.
Return on assets 1.22%.
Efficiency ratio 65.38% vs a 64.48% peer average.
Loan-to-deposit ratio 75.34% 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) →

State Bank of Whittington has 1 strength but faces 4 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

+ Deposit Franchise: Top 46.0% in tier

Key Concerns

Areas that may need attention

- Delinquency Rate 3.56% above tier average
- Nonperforming Asset Ratio 2.33% above tier average
- ROA 0.10% below tier average
- Efficiency Ratio 0.90% above tier average

Get updates when State Bank of Whittington releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$180.1M +3.6% YoY +0.7% QoQ	-$206.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$120.3M +8.2% YoY +1.5% QoQ	-$138.0M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$159.7M +2.6% YoY +0.1% QoQ	-$167.0M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	1.22% +7.0% YoY +2.1% QoQ	-0.10%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	48%
Net Interest Margin ?	4.63% +8.2% YoY +2.2% QoQ	+0.64%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	83%
Efficiency Ratio ?	65.38% -5.8% YoY -0.9% QoQ	+0.90%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	41%
Delinquency Rate ?	4.48% +86.8% YoY +47.2% QoQ	+3.56%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 3.1% in tier
Loan-to-Deposit Ratio ?	75.34% +5.5% YoY +1.4% QoQ	-2.62%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	38.73% -1.4% YoY -2.2% QoQ	+16.70%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Top 5.8% in tier
Nonperforming Asset Ratio ?	3.00% +94.7% YoY +48.3% QoQ	+2.33%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 3.3% in tier
Tier 1 Capital Ratio ?	15.98% +1.8% YoY +5.3% QoQ	+0.07%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.35% -1.9% YoY +105.1% QoQ	-0.21%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	80%

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	38.7% -0.6pp YoY -0.9pp QoQ	+16.6pp	22.1%	20.1%	22.2%	94%
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	24.4% +2.2pp YoY +0.3pp QoQ	+12.9pp	11.6%	14.7%	12.5%	92%
CRE	20.4% +2.6pp YoY +1.2pp QoQ	-19.2pp	39.5%	37.9%	41.4%	19%
1-4 Family	29.0% -1.4pp YoY -0.8pp QoQ	-3.7pp	32.6%	28.3%	31.3%	49%
Consumer	23.8% -2.9pp YoY -0.9pp QoQ	+19.7pp	4.1%	5.4%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	16.0% +0.3pp YoY +0.8pp QoQ	-2.8pp	18.8%	19.9%	19.7%	57%
Leverage Ratio	11.5% +0.5pp YoY +0.1pp QoQ	-0.6pp	12.2%	12.2%	12.6%	58%
Total Capital Ratio	17.1% +0.4pp YoY +0.9pp QoQ	-2.9pp	19.9%	20.9%	20.8%	57%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	46 +2 (+4.5%) YoY -1 (-2.1%) QoQ	-13	58	228	482	48%
Assets per Employee ($)	$3.9M -0.9% YoY +2.9% QoQ	-$3.6M	$7.5M	$8.3M	$8.8M	4%
Branch Count	5 0 YoY 0 QoQ	0	4	10	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	2.6% +0.8pp YoY +1.3pp QoQ	+2.3pp	0.3%	0.4%	0.4%	98%
Nonaccrual	1.9% +1.3pp YoY +0.1pp QoQ	+1.0pp	0.9%	1.1%	1.0%	86%
Allowance Coverage	0.27x -43.6% YoY -25.9% QoQ	-23.88x	24.15x	5.62x	20.23x	2%
Net Charge-off Rate (YTD)	0.3% -0.1pp YoY 0.0pp QoQ	+0.2pp	0.1%	0.1%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	11.8% -0.7pp YoY +0.1pp QoQ	-0.4pp	12.2%	10.5%	11.6%	48%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.6%	1.7%	10%
Net Income ($, YTD)	$1.1M +9.3% YoY — QoQ	-$1.5M	$2.6M	$11.7M	$40.4M	30%

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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 (1)

Deposit Franchise

growth

#129 of 278 • Top 46.0% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 38.73%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.63%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

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)

154

Non-Interest-Bearing Deposit Share

funding

Value: 38.73%

Peer Median: 22.03%

#154 of 2643 Top 5.8% in $100M-$1B

443

Net Interest Margin

profitability

Value: 4.63%

Peer Median: 3.99%

#443 of 2643 Top 16.7% in $100M-$1B

532

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#532 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (4 metrics)

2552

Delinquency Rate

credit_quality

Value: 4.48%

Peer Median: 0.92%

#2552 of 2633 Bottom 3.1% in $100M-$1B

2557

Nonperforming Asset Ratio

credit_quality

Value: 3.00%

Peer Median: 0.67%

#2557 of 2643 Bottom 3.3% in $100M-$1B

2082

Total Assets

size

Value: $180.12M

Peer Median: $386.57M

#2082 of 2643 Bottom 21.3% in $100M-$1B

2014

Total Deposits

size

Value: $159.69M

Peer Median: $326.73M

#2014 of 2643 Bottom 23.8% in $100M-$1B