BlastPoint's Banking Scorecard

Southern Illinois Bank

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

Johnston City, IL

5 branches across IL

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

Southern Illinois Bank faces 5 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

- Delinquency Rate 4.36% above tier average
- Nonperforming Asset Ratio 2.52% above tier average
- ROA 0.11% below tier average
- Net Interest Margin 0.19% below tier average
- Efficiency Ratio 3.92% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$138.3M -11.7% YoY +0.3% QoQ	-$247.8M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 10.6% in tier
Total Loans ?	$72.8M -21.0% YoY -9.6% QoQ	-$182.9M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 8.4% in tier
Total Deposits ?	$116.3M -4.3% YoY +0.4% QoQ	-$211.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 10.8% in tier
Return on Assets ?	1.16% +17.2% YoY +9.1% QoQ	-0.11%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	3.74% +6.9% YoY +1.9% QoQ	-0.19%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	69.21% +7.7% YoY +5.4% QoQ	+3.92%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	5.24% +645.3% YoY +10.3% QoQ	+4.36%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 1.9% in tier
Loan-to-Deposit Ratio ?	62.58% -17.5% YoY -9.9% QoQ	-14.06%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	28.65% +7.7% YoY +0.4% QoQ	+6.63%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	3.16% +547.1% YoY -0.6% QoQ	+2.52%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 2.7% in tier
Tier 1 Capital Ratio ?	17.77% +22.0% YoY +5.1% QoQ	+1.94%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.14% +13.2% YoY -76.3% QoQ	-0.14%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	71%

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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 (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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

524

Tier 1 Capital Ratio

capital

Value: 17.77%

Peer Median: 15.83%

#524 of 2664 Top 19.6% in $100M-$1B

573

Non-Interest-Bearing Deposit Share

funding

Value: 28.65%

Peer Median: 22.02%

#573 of 2664 Top 21.5% in $100M-$1B

587

Loan-to-Deposit Ratio

liquidity

Value: 62.58%

Peer Median: 76.64%

#587 of 2664 Top 22.0% in $100M-$1B

Top Weaknesses (5 metrics)

2604

Delinquency Rate

credit_quality

Value: 5.24%

Peer Median: 0.89%

#2604 of 2654 Bottom 1.9% in $100M-$1B

2594

Nonperforming Asset Ratio

credit_quality

Value: 3.16%

Peer Median: 0.64%

#2594 of 2664 Bottom 2.7% in $100M-$1B

2440

Total Loans

size

Value: $72.78M

Peer Median: $255.72M

#2440 of 2664 Bottom 8.4% in $100M-$1B

2382

Total Assets

size

Value: $138.32M

Peer Median: $386.08M

#2382 of 2664 Bottom 10.6% in $100M-$1B

2377

Total Deposits

size

Value: $116.30M

Peer Median: $327.97M

#2377 of 2664 Bottom 10.8% in $100M-$1B