BlastPoint's Banking Scorecard
State Bank of Whittington
Benton, IL
5 branches across IL
State Bank of Whittington has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 44.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.16% above tier average
- - Nonperforming Asset Ratio 1.39% above tier average
- - ROA 0.07% below tier average
- - Efficiency Ratio 0.68% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$178.9M
+2.1% YoY
+0.8% QoQ
|
-$207.2M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$118.5M
+4.7% YoY
+0.1% QoQ
|
-$137.2M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$159.5M
+3.5% YoY
+0.9% QoQ
|
-$168.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.20%
+5.7% YoY
+4.8% QoQ
|
-0.07% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
4.53%
+7.5% YoY
+1.9% QoQ
|
+0.60% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
65.97%
-5.3% YoY
-2.4% QoQ
|
+0.68% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
3.04%
+139.1% YoY
+54.7% QoQ
|
+2.16% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.9% in tier |
| Loan-to-Deposit Ratio ? |
74.33%
+1.2% YoY
-0.8% QoQ
|
-2.31% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
39.59%
+0.7% YoY
-1.2% QoQ
|
+17.57% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 5.1% in tier |
| Nonperforming Asset Ratio ? |
2.02%
+143.9% YoY
+53.3% 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 ? |
15.18%
+0.1% YoY
-1.3% QoQ
|
-0.65% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.17%
-2.1% YoY
-76.0% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
80% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.