BlastPoint's Banking Scorecard

Southern Illinois Bank

$100M-$1B Specialty: Commercial IL FDIC cert 35229

Johnston City, 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 -11.3% year over year ($114.1M on the books).
Delinquency rate 4.81%.
Return on assets 1.13%.
Efficiency ratio 63.82% vs a 64.48% peer average.
Loan-to-deposit ratio 63.57% 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) →

Southern Illinois Bank has 1 strength but faces 5 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

+ Efficiency Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 5.2% in tier
- Delinquency Rate 3.90% above tier average
- Nonperforming Asset Ratio 2.29% above tier average
- ROA 0.19% below tier average
- Net Interest Margin 0.17% below tier average

Get updates when Southern Illinois 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 ?	$136.5M -11.7% YoY -1.3% QoQ	-$250.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	Bottom 10.0% in tier
Total Loans ?	$72.5M -17.0% YoY -0.3% QoQ	-$185.8M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	Bottom 7.8% in tier
Total Deposits ?	$114.1M -11.3% YoY -1.9% QoQ	-$212.6M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Bottom 9.8% in tier
Return on Assets ?	1.13% +3.4% YoY -2.1% QoQ	-0.19%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	43%
Net Interest Margin ?	3.81% +3.4% YoY +2.1% QoQ	-0.17%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	63.82% +3.3% YoY -7.8% QoQ	-0.65%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	4.81% -10.4% YoY -8.2% QoQ	+3.90%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 2.7% in tier
Loan-to-Deposit Ratio ?	63.57% -6.4% YoY +1.6% QoQ	-14.38%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	78%
Non-Interest-Bearing Deposit Share ?	29.28% -7.8% YoY +2.2% QoQ	+7.24%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	2.96% -13.4% YoY -6.2% QoQ	+2.29%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 3.5% in tier
Tier 1 Capital Ratio ?	17.72% +19.7% YoY -0.3% QoQ	+1.81%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.29% +10.7% YoY +107.4% QoQ	-0.27%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	71%

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	29.3% -2.5pp YoY +0.6pp QoQ	+7.1pp	22.1%	20.1%	22.2%	80%
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	13.9% -12.0pp YoY -1.0pp QoQ	+2.3pp	11.6%	14.7%	12.5%	72%
CRE	47.3% +9.1pp YoY -0.5pp QoQ	+7.8pp	39.5%	37.9%	41.4%	66%
1-4 Family	18.4% +2.1pp YoY +0.1pp QoQ	-14.2pp	32.6%	28.3%	31.3%	27%
Consumer	3.4% +1.4pp YoY +1.2pp QoQ	-0.7pp	4.1%	5.4%	5.0%	65%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	17.7% +2.9pp YoY -0.1pp QoQ	+5.5pp	12.2%	12.2%	12.6%	94%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	25 -2 (-7.4%) YoY -1 (-3.8%) QoQ	-34	58	228	482	19%
Assets per Employee ($)	$5.5M -4.6% YoY +2.6% QoQ	-$2.1M	$7.5M	$8.3M	$8.8M	22%
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	0.5% -4.9pp YoY	+0.1pp	0.3%	0.4%	0.4%	82%
Nonaccrual	4.4% +4.3pp YoY -0.9pp QoQ	+3.4pp	0.9%	1.1%	1.0%	97%
Allowance Coverage	0.28x +47.8% YoY +12.0% QoQ	-23.87x	24.15x	5.62x	20.23x	3%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	7.3% -1.8pp YoY -0.2pp QoQ	-4.9pp	12.2%	10.5%	11.6%	22%
Cost of Funds (YTD)	1.1% -0.7pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	16%
Net Income ($, YTD)	$780,000 -8.9% YoY — QoQ	-$1.8M	$2.6M	$11.7M	$40.4M	19%

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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 (1)

Deposit Outflow

decline

#29 of 535 • Bottom 5.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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)

527

Tier 1 Capital Ratio

capital

Value: 17.72%

Peer Median: 15.91%

#527 of 2643 Top 19.9% in $100M-$1B

532

Non-Interest-Bearing Deposit Share

funding

Value: 29.28%

Peer Median: 22.03%

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

570

Loan-to-Deposit Ratio

liquidity

Value: 63.57%

Peer Median: 77.95%

#570 of 2643 Top 21.5% in $100M-$1B

Top Weaknesses (5 metrics)

2563

Delinquency Rate

credit_quality

Value: 4.81%

Peer Median: 0.92%

#2563 of 2633 Bottom 2.7% in $100M-$1B

2552

Nonperforming Asset Ratio

credit_quality

Value: 2.96%

Peer Median: 0.67%

#2552 of 2643 Bottom 3.5% in $100M-$1B

2437

Total Loans

size

Value: $72.55M

Peer Median: $258.35M

#2437 of 2643 Bottom 7.8% in $100M-$1B

2384

Total Deposits

size

Value: $114.13M

Peer Median: $326.73M

#2384 of 2643 Bottom 9.8% in $100M-$1B

2379

Total Assets

size

Value: $136.49M

Peer Median: $386.57M

#2379 of 2643 Bottom 10.0% in $100M-$1B