BlastPoint's Banking Scorecard
State Bank of the Lakes, National Association
Antioch, IL
10 branches across IL · WI
State Bank of the Lakes, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.94% below tier average
- + ROA 0.14% above tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 50.0% in tier
- - Net Interest Margin 0.65% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+25.0% YoY
+7.4% QoQ
|
-$126.1M |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$2.0B
+19.8% YoY
+6.7% QoQ
|
+$20.6M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$2.3B
+27.1% YoY
+8.9% QoQ
|
-$82.4M |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
65% |
| Return on Assets ? |
1.51%
+10.6% YoY
+2.7% QoQ
|
+0.14% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
3.17%
-5.1% YoY
-6.4% QoQ
|
-0.65% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
38.12%
-15.3% YoY
-2.7% QoQ
|
-22.94% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 6.0% in tier |
| Delinquency Rate ? |
0.11%
-51.9% YoY
-23.3% QoQ
|
-0.78% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 12.3% in tier |
| Loan-to-Deposit Ratio ? |
87.82%
-5.8% YoY
-2.0% QoQ
|
+3.61% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
13.31%
-17.6% YoY
+1.8% QoQ
|
-7.98% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.09%
-52.3% YoY
-22.7% QoQ
|
-0.59% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 12.7% in tier |
| Tier 1 Capital Ratio ? |
10.74%
-6.4% YoY
-5.6% QoQ
|
-4.42% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 12.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
-8.3% YoY
-78.8% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.