BlastPoint's Banking Scorecard

DeWitt Savings Bank

$100M-$1B Specialty: Other IL FDIC cert 29535

Designations: ✓ Mutual

Clinton, IL

2 branches across IL

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

DeWitt Savings Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.1% in tier
- NIB Deposit Bleed: Bottom 21.2% in tier
- Credit Quality Pressure: Bottom 41.1% in tier
- Net Interest Margin 1.22% below tier average
- ROA 0.79% below tier average
- Efficiency Ratio 16.11% above tier average

Get updates when DeWitt Savings 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 ?	$171.2M +16.2% YoY -1.7% QoQ	-$214.8M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$84.6M +4.5% YoY -3.0% QoQ	-$171.2M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 13.3% in tier
Total Deposits ?	$155.9M +21.5% YoY +5.0% QoQ	-$172.1M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	0.48% +219.9% YoY +73.6% QoQ	-0.79%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 12.7% in tier
Net Interest Margin ?	2.71% -7.1% YoY -2.5% QoQ	-1.22%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 5.5% in tier
Efficiency Ratio ?	81.40% -11.5% YoY -0.6% QoQ	+16.11%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 13.7% in tier
Delinquency Rate ?	0.89% +18.3% YoY -26.3% QoQ	+0.00%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	31%
Loan-to-Deposit Ratio ?	54.24% -14.0% YoY -7.6% QoQ	-22.40%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 13.0% in tier
Non-Interest-Bearing Deposit Share ?	14.27% -21.4% YoY +4.0% QoQ	-7.75%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	22%
Nonperforming Asset Ratio ?	0.46% +12.6% YoY -26.1% QoQ	-0.17%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	20.50% -12.8% YoY +4.0% QoQ	+4.67%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 12.3% in tier
Non-Interest Income / Assets ?	0.11% -0.6% YoY -75.0% QoQ	-0.17%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	58%

Get Full Access to DeWitt Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (3)

Credit Risk Growth

risk

#158 of 973 • Bottom 16.1% 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

NIB Deposit Bleed

decline

#43 of 198 • Bottom 21.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.27%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#539 of 1308 • Bottom 41.1% in tier

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

Why this signature

Delinquency Rate: 0.89%

(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

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 (2 metrics)

328

Tier 1 Capital Ratio

capital

Value: 20.50%

Peer Median: 15.83%

#328 of 2664 Top 12.3% in $100M-$1B

347

Loan-to-Deposit Ratio

liquidity

Value: 54.24%

Peer Median: 76.64%

#347 of 2664 Top 13.0% in $100M-$1B

Top Weaknesses (7 metrics)

2518

Net Interest Margin

profitability

Value: 2.71%

Peer Median: 3.93%

#2518 of 2664 Bottom 5.5% in $100M-$1B

2327

Return on Assets

profitability

Value: 0.48%

Peer Median: 1.27%

#2327 of 2664 Bottom 12.7% in $100M-$1B

2312

Total Loans

size

Value: $84.55M

Peer Median: $255.72M

#2312 of 2664 Bottom 13.3% in $100M-$1B

2300

Efficiency Ratio

profitability

Value: 81.40%

Peer Median: 65.29%

#2300 of 2664 Bottom 13.7% in $100M-$1B

2143

Total Assets

size

Value: $171.25M

Peer Median: $386.08M

#2143 of 2664 Bottom 19.6% in $100M-$1B

2092

Non-Interest-Bearing Deposit Share

funding

Value: 14.27%

Peer Median: 22.02%

#2092 of 2664 Bottom 21.5% in $100M-$1B

2061

Total Deposits

size

Value: $155.89M

Peer Median: $327.97M

#2061 of 2664 Bottom 22.7% in $100M-$1B