BlastPoint's Banking Scorecard
Scott State Bank
Bethany, IL
7 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 +0.9% year over year ($178.0M on the books).
- Delinquency rate 0.25%.
- Return on assets 1.12%.
- Efficiency ratio 70.82% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.47% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Scott State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Net Interest Margin 0.17% below tier average
- - Efficiency Ratio 6.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.5M
-3.1% YoY
-1.9% QoQ
|
-$183.0M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$116.5M
-1.6% YoY
+1.1% QoQ
|
-$141.8M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$178.0M
+0.9% YoY
-2.3% QoQ
|
-$148.8M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.12%
+29.5% YoY
+0.7% QoQ
|
-0.21% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
3.81%
+14.7% YoY
+1.7% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
70.82%
-3.6% YoY
-1.9% QoQ
|
+6.34% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.25%
-18.7% YoY
-51.0% QoQ
|
-0.67% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
65.47%
-2.5% YoY
+3.5% QoQ
|
-12.48% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
24.46%
+4.3% YoY
-6.6% QoQ
|
+2.43% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.14%
-17.5% YoY
-49.5% QoQ
|
-0.53% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
13.67%
+4.2% YoY
+0.3% QoQ
|
-2.24% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.28%
+3.0% YoY
+118.7% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
24.5%
+1.0pp YoY -1.7pp QoQ |
+2.3pp | 22.1% | 20.1% | 22.2% | 64% |
| 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 |
23.4%
+1.7pp YoY -0.2pp QoQ |
+11.8pp | 11.6% | 14.7% | 12.5% | 92% |
| CRE |
30.1%
-0.9pp YoY +0.4pp QoQ |
-9.4pp | 39.5% | 37.9% | 41.4% | 35% |
| 1-4 Family |
22.0%
+1.2pp YoY 0.0pp QoQ |
-10.6pp | 32.6% | 28.3% | 31.3% | 34% |
| Consumer |
3.4%
-0.6pp YoY -0.1pp 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 |
13.7%
+0.6pp YoY 0.0pp QoQ |
+1.5pp | 12.2% | 12.2% | 12.6% | 80% |
| 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 |
49
0 YoY +2 (+4.3%) QoQ |
-10 | 58 | 228 | 482 | 52% |
| Assets per Employee ($) |
$4.2M
-3.1% YoY -5.9% QoQ |
-$3.4M | $7.5M | $8.3M | $8.8M | 6% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 10 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY -0.3pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 70% |
| Nonaccrual |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 3% |
| Allowance Coverage |
4.40x
+42.7% YoY +113.9% QoQ |
-19.75x | 24.15x | 5.62x | 20.23x | 67% |
| Net Charge-off Rate (YTD) |
0.0%
-0.4pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 60% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
+0.8pp YoY 0.0pp QoQ |
-2.5pp | 12.2% | 10.5% | 11.6% | 35% |
| Cost of Funds (YTD) |
1.0%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.6% | 1.7% | 10% |
| Net Income ($, YTD) |
$1.1M
+24.6% YoY — QoQ |
-$1.4M | $2.6M | $11.7M | $40.4M | 31% |
Get Full Access to Scott State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.