BlastPoint's Banking Scorecard
Scott State Bank
Bethany, IL
7 branches across IL
Scott State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.38% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 43.2% in tier
- - ROA 0.16% below tier average
- - Net Interest Margin 0.18% below tier average
- - Efficiency Ratio 6.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$207.5M
-2.3% YoY
+2.3% QoQ
|
-$178.6M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$115.2M
-2.1% YoY
-3.9% QoQ
|
-$140.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
24% |
| Total Deposits ? |
$182.2M
+1.4% YoY
+2.6% QoQ
|
-$145.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.11%
+44.6% YoY
+21.7% QoQ
|
-0.16% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
3.75%
+16.1% YoY
+7.8% QoQ
|
-0.18% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
72.21%
-0.6% YoY
+0.1% QoQ
|
+6.92% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.50%
+146.3% YoY
-66.4% QoQ
|
-0.38% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
63.23%
-3.5% YoY
-6.3% QoQ
|
-13.41% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
26.19%
+8.8% YoY
+1.5% QoQ
|
+4.17% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.28%
+146.8% YoY
-68.4% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
13.63%
+6.1% YoY
+1.3% QoQ
|
-2.21% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.13%
-3.5% YoY
-79.1% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
65% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.