BlastPoint

BlastPoint's Banking Scorecard

The State Bank of Geneva

$100M-$1B Specialty: Commercial IL FDIC cert 925

Geneva, 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 -1.9% year over year ($102.9M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 0.68%.
  • Efficiency ratio 84.72% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.12% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

The State Bank of Geneva has 1 strength but faces 6 concerns

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

  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.3% in tier
  • - Credit Risk Growth: Bottom 40.6% in tier
  • - Deposit Outflow: Bottom 44.3% in tier
  • - Efficiency Ratio 20.24% above tier average
  • - ROA 0.64% below tier average
  • - Net Interest Margin 0.54% below tier average
Get updates when The State Bank of Geneva releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $116.2M
-3.5% YoY -6.7% QoQ
-$270.4M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 4.5% in tier
Total Loans ? $79.3M
+10.2% YoY -1.3% QoQ
-$179.0M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 10.1% in tier
Total Deposits ? $102.9M
-1.9% YoY -5.0% QoQ
-$223.8M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 6.1% in tier
Return on Assets ? 0.68%
+35.9% YoY -10.6% QoQ
-0.64% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 3.44%
+4.2% YoY +4.1% QoQ
-0.54% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
25%
Efficiency Ratio ? 84.72%
-4.0% YoY +2.7% QoQ
+20.24% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Bottom 9.2% in tier
Delinquency Rate ? 0.16%
+15.5% YoY +1.3% QoQ
-0.76% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 77.12%
+12.3% YoY +3.9% QoQ
-0.83% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
55%
Non-Interest-Bearing Deposit Share ? 28.84%
-1.2% YoY -4.0% QoQ
+6.81% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
79%
Nonperforming Asset Ratio ? 0.56%
+8.1% YoY +7.1% QoQ
-0.11% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
36%
Tier 1 Capital Ratio ? 17.47%
-7.5% YoY +0.8% QoQ
+1.56% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.60%
+13.7% YoY +106.3% QoQ
+0.04% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 6.8% in tier

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 28.8%
-0.3pp YoY
-1.2pp QoQ
 +6.7pp 22.1% 20.1% 22.2% 78%
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 7.2%
-3.6pp YoY
-3.1pp QoQ
 -4.3pp 11.6% 14.7% 12.5% 34%
CRE 55.7%
+2.4pp YoY
+1.8pp QoQ
 +16.2pp 39.5% 37.9% 41.4% 79%
1-4 Family 33.6%
-3.1pp YoY
-0.5pp QoQ
 +1.0pp 32.6% 28.3% 31.3% 59%
Consumer 4.7%
+4.3pp YoY
+1.8pp QoQ
 +0.6pp 4.1% 5.4% 5.0% 75%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 17.5%
-1.4pp YoY
+0.1pp QoQ
 -1.4pp 18.8% 19.9% 19.7% 66%
Leverage Ratio 11.8%
+0.3pp YoY
+0.2pp QoQ
 -0.4pp 12.2% 12.2% 12.6% 62%
Total Capital Ratio 18.7%
-1.4pp YoY
+0.1pp QoQ
 -1.2pp 19.9% 20.9% 20.8% 67%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 25
0 YoY
0 QoQ
 -34 58 228 482 19%
Assets per Employee ($) $4.6M
-3.5% YoY
-6.7% QoQ
 -$2.9M $7.5M $8.3M $8.8M 10%
Branch Count 1
0 YoY
0 QoQ
 -4 4 10 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 34%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.1% 1.0% 21%
Allowance Coverage 12.44x
-6.9% YoY
0.0% QoQ
 -11.72x 24.15x 5.62x 20.23x 84%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 6.4%
+1.5pp YoY
-0.9pp QoQ
 -5.8pp 12.2% 10.5% 11.6% 18%
Cost of Funds (YTD) 1.7%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 1.7% 1.6% 1.7% 48%
Net Income ($, YTD) $412,000
+41.6% YoY
— QoQ
 -$2.1M $2.6M $11.7M $40.4M 9%

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 (3)

Credit Quality Pressure

risk
#130 of 1256 • Bottom 10.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.16%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#381 of 936 • Bottom 40.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#238 of 535 • Bottom 44.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

182
Non-Interest Income / Assets
revenue_mix
Value: 0.60%
Peer Median: 0.57%
#182 of 2643 Top 6.8% in $100M-$1B
561
Tier 1 Capital Ratio
capital
Value: 17.47%
Peer Median: 15.91%
#561 of 2643 Top 21.2% in $100M-$1B
565
Non-Interest-Bearing Deposit Share
funding
Value: 28.84%
Peer Median: 22.03%
#565 of 2643 Top 21.3% in $100M-$1B

Top Weaknesses (5 metrics)

2524
Total Assets
size
Value: $116.16M
Peer Median: $386.57M
#2524 of 2643 Bottom 4.5% in $100M-$1B
2482
Total Deposits
size
Value: $102.89M
Peer Median: $326.73M
#2482 of 2643 Bottom 6.1% in $100M-$1B
2402
Efficiency Ratio
profitability
Value: 84.72%
Peer Median: 64.48%
#2402 of 2643 Bottom 9.2% in $100M-$1B
2377
Total Loans
size
Value: $79.34M
Peer Median: $258.35M
#2377 of 2643 Bottom 10.1% in $100M-$1B
2166
Return on Assets
profitability
Value: 0.68%
Peer Median: 1.32%
#2166 of 2643 Bottom 18.1% in $100M-$1B
Powered by BlastPoint © 2026