BlastPoint's Banking Scorecard
The State Bank of Geneva
Geneva, IL
The State Bank of Geneva has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 9.1% in tier
- - ROA 0.51% below tier average
- - Net Interest Margin 0.62% below tier average
- - Efficiency Ratio 17.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$124.5M
+6.4% YoY
+1.9% QoQ
|
-$261.6M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.3% in tier |
| Total Loans ? |
$80.4M
+14.4% YoY
+3.9% QoQ
|
-$175.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.3% in tier |
| Total Deposits ? |
$108.3M
+6.3% YoY
+2.1% QoQ
|
-$219.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.0% in tier |
| Return on Assets ? |
0.76%
+131.0% YoY
+18.6% QoQ
|
-0.51% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.31%
+3.0% YoY
-2.7% QoQ
|
-0.62% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
82.50%
-10.3% YoY
-3.0% QoQ
|
+17.22% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.6% in tier |
| Delinquency Rate ? |
0.16%
+7.9% YoY
-4.5% QoQ
|
-0.73% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
74.25%
+7.7% YoY
+1.8% QoQ
|
-2.39% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
30.04%
-7.4% YoY
-4.4% QoQ
|
+8.02% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.52%
-2.4% YoY
-2.0% QoQ
|
-0.12% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
17.33%
-9.1% YoY
-2.7% QoQ
|
+1.50% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.29%
+14.1% YoY
-71.1% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 6.9% in tier |
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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.