BlastPoint's Banking Scorecard

Stillman BancCorp N.A.

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

Stillman Valley, IL

6 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 +4.4% year over year ($570.9M on the books).
Delinquency rate 0.66%.
Return on assets 0.79%.
Efficiency ratio 75.67% vs a 64.48% peer average.
Loan-to-deposit ratio 52.60% 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) →

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 0.26% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.20% below tier average
- ROA 0.53% below tier average
- Efficiency Ratio 11.19% above tier average

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

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$645.6M +5.3% YoY +1.1% QoQ	+$259.1M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$300.3M +18.0% YoY +7.6% QoQ	+$41.9M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$570.9M +4.4% YoY +0.1% QoQ	+$244.1M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	Top 14.4% in tier
Return on Assets ?	0.79% +56.3% YoY +1.4% QoQ	-0.53%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	23%
Net Interest Margin ?	2.78% +17.4% YoY +1.8% QoQ	-1.20%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 5.9% in tier
Efficiency Ratio ?	75.67% -6.0% YoY -2.3% QoQ	+11.19%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	0.66% +7.7% QoQ	-0.26%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	52.60% +13.1% YoY +7.6% QoQ	-25.36%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 10.4% in tier
Non-Interest-Bearing Deposit Share ?	16.12% -2.7% YoY -3.9% QoQ	-5.91%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.31% +14.7% QoQ	-0.36%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	51%
Tier 1 Capital Ratio ?	18.29% -9.3% YoY -2.7% QoQ	+2.38%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.42% -0.4% YoY +93.8% QoQ	-0.15%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 13.1% 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	16.1% -0.4pp YoY -0.6pp QoQ	-6.0pp	22.1%	20.1%	22.2%	28%
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	16.3% +1.3pp YoY +1.5pp QoQ	+4.8pp	11.6%	14.7%	12.5%	80%
CRE	46.4% +2.5pp YoY -0.8pp QoQ	+6.9pp	39.5%	37.9%	41.4%	64%
1-4 Family	20.3% -3.2pp YoY -0.5pp QoQ	-12.4pp	32.6%	28.3%	31.3%	30%
Consumer	1.5% -0.8pp YoY -0.2pp QoQ	-2.6pp	4.1%	5.4%	5.0%	40%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	18.3% -1.9pp YoY -0.5pp QoQ	-0.5pp	18.8%	19.9%	19.7%	71%
Leverage Ratio	9.2% -0.2pp YoY -0.1pp QoQ	-3.0pp	12.2%	12.2%	12.6%	15%
Total Capital Ratio	19.2% -1.8pp YoY -0.5pp QoQ	-0.7pp	19.9%	20.9%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	113 +12 (+11.9%) YoY +5 (+4.6%) QoQ	+54	58	228	482	91%
Assets per Employee ($)	$5.7M -5.9% YoY -3.4% QoQ	-$1.8M	$7.5M	$8.3M	$8.8M	27%
Branch Count	6 0 YoY 0 QoQ	+1	4	10	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1%	-0.2pp	0.3%	0.4%	0.4%	51%
Nonaccrual	0.6% -0.1pp QoQ	-0.4pp	0.9%	1.1%	1.0%	56%
Allowance Coverage	1.46x -8.9% QoQ	-22.69x	24.15x	5.62x	20.23x	38%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	9%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	10.2% +2.5pp YoY +0.2pp QoQ	-2.0pp	12.2%	10.5%	11.6%	38%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	35%
Net Income ($, YTD)	$2.5M +63.9% YoY — QoQ	-$46K	$2.6M	$11.7M	$40.4M	62%

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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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

277

Loan-to-Deposit Ratio

liquidity

Value: 52.60%

Peer Median: 77.95%

#277 of 2643 Top 10.4% in $100M-$1B

346

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.57%

#346 of 2643 Top 13.1% in $100M-$1B

381

Total Deposits

size

Value: $570.88M

Peer Median: $326.73M

#381 of 2643 Top 14.4% in $100M-$1B

428

Total Assets

size

Value: $645.63M

Peer Median: $386.57M

#428 of 2643 Top 16.2% in $100M-$1B

478

Tier 1 Capital Ratio

capital

Value: 18.29%

Peer Median: 15.91%

#478 of 2643 Top 18.0% in $100M-$1B

Top Weaknesses (3 metrics)

2487

Net Interest Margin

profitability

Value: 2.78%

Peer Median: 3.99%

#2487 of 2643 Bottom 5.9% in $100M-$1B

2131

Efficiency Ratio

profitability

Value: 75.67%

Peer Median: 64.48%

#2131 of 2643 Bottom 19.4% in $100M-$1B

2041

Return on Assets

profitability

Value: 0.79%

Peer Median: 1.32%

#2041 of 2643 Bottom 22.8% in $100M-$1B