BlastPoint's Banking Scorecard
Central State Bank
Clayton, IL
4 branches across IL
Central State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 4.8% in tier
- + Net Interest Margin 1.44% above tier average
- + Efficiency Ratio 24.11% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.84% above tier average
- - Nonperforming Asset Ratio 1.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$178.1M
-1.7% YoY
+0.5% QoQ
|
-$208.0M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$114.8M
-12.2% YoY
-3.3% QoQ
|
-$140.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$146.5M
-3.2% YoY
-0.4% QoQ
|
-$181.5M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
3.41%
+69.9% YoY
+139.7% QoQ
|
+2.14% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Top 1.2% in tier |
| Net Interest Margin ? |
5.37%
+40.7% YoY
+32.0% QoQ
|
+1.44% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 3.8% in tier |
| Efficiency Ratio ? |
41.17%
-22.9% YoY
-25.3% QoQ
|
-24.11% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 5.0% in tier |
| Delinquency Rate ? |
3.73%
-20.6% YoY
-17.4% QoQ
|
+2.84% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.8% in tier |
| Loan-to-Deposit Ratio ? |
78.40%
-9.4% YoY
-2.9% QoQ
|
+1.76% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
15.84%
+6.1% YoY
+10.6% QoQ
|
-6.18% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
2.56%
-29.1% YoY
-20.4% QoQ
|
+1.92% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.3% in tier |
| Tier 1 Capital Ratio ? |
17.84%
+5.8% YoY
+4.9% QoQ
|
+2.01% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.15%
-6.2% YoY
-78.1% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
72% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.