BlastPoint's Banking Scorecard

Stillman BancCorp N.A.

$100M-$1B Specialty: Commercial IL FDIC cert 9263

Stillman Valley, IL

6 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Stillman BancCorp N.A. has 1 strength but faces 3 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 0.27% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.20% below tier average
- ROA 0.49% below tier average
- Efficiency Ratio 12.19% above tier average

Get updates when Stillman BancCorp N.A. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$638.7M +4.3% YoY +2.2% QoQ	+$252.7M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$278.9M +18.2% YoY -1.9% QoQ	+$23.2M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	64%
Total Deposits ?	$570.6M +3.0% YoY +2.9% QoQ	+$242.6M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 14.6% in tier
Return on Assets ?	0.78% +114.9% YoY +33.7% QoQ	-0.49%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	2.73% +22.5% YoY +10.4% QoQ	-1.20%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Bottom 5.9% in tier
Efficiency Ratio ?	77.48% -10.5% YoY -2.5% QoQ	+12.19%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	0.61% +1.0% QoQ	-0.27%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	48.89% +14.8% YoY -4.7% QoQ	-27.75%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 8.5% in tier
Non-Interest-Bearing Deposit Share ?	16.77% +2.2% YoY -3.5% QoQ	-5.25%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.27% -3.0% QoQ	-0.37%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	18.80% -12.0% YoY +1.4% QoQ	+2.97%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.22% +7.4% YoY -74.9% QoQ	-0.06%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 11.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

227

Loan-to-Deposit Ratio

liquidity

Value: 48.89%

Peer Median: 76.64%

#227 of 2664 Top 8.5% in $100M-$1B

315

Non-Interest Income / Assets

revenue_mix

Value: 0.22%

Peer Median: 0.28%

#315 of 2664 Top 11.8% in $100M-$1B

390

Total Deposits

size

Value: $570.59M

Peer Median: $327.97M

#390 of 2664 Top 14.6% in $100M-$1B

438

Tier 1 Capital Ratio

capital

Value: 18.80%

Peer Median: 15.83%

#438 of 2664 Top 16.4% in $100M-$1B

441

Total Assets

size

Value: $638.74M

Peer Median: $386.08M

#441 of 2664 Top 16.5% in $100M-$1B

Top Weaknesses (3 metrics)

2509

Net Interest Margin

profitability

Value: 2.73%

Peer Median: 3.93%

#2509 of 2664 Bottom 5.9% in $100M-$1B

2161

Efficiency Ratio

profitability

Value: 77.48%

Peer Median: 65.29%

#2161 of 2664 Bottom 18.9% in $100M-$1B

2004

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.27%

#2004 of 2664 Bottom 24.8% in $100M-$1B