BlastPoint's Banking Scorecard
Villa Grove State Bank
Designations: ✓ Community bank
Villa Grove, IL
2 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +4.9% year over year ($74.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.75%.
- Efficiency ratio 54.45% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.33% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Villa Grove State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.75% above tier average
- + Net Interest Margin 0.06% above tier average
- + Efficiency Ratio 64.94% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.9M
+2.8% YoY
-3.5% QoQ
|
+$23.4M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$54.8M
-2.2% YoY
+2.7% QoQ
|
+$19.9M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$74.7M
+4.9% YoY
-4.3% QoQ
|
+$23.1M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
1.75%
+17.4% YoY
+8.0% QoQ
|
+0.75% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
83% |
| Net Interest Margin ? |
3.97%
+5.2% YoY
+2.1% QoQ
|
+0.06% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
54.45%
-7.6% YoY
-2.8% QoQ
|
-64.94% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
73.33%
-6.7% YoY
+7.3% QoQ
|
-0.88% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
28.27%
+11.7% YoY
+0.9% QoQ
|
+4.78% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.22%
+1.1% YoY
+1.6% QoQ
|
-14.91% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.09%
+22.4% YoY
+304.3% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
28.3%
+3.0pp YoY +0.3pp QoQ |
+3.6pp | 24.6% | 20.1% | 22.2% | 67% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
8.2%
-0.2pp YoY -0.6pp QoQ |
-5.2pp | 13.4% | 14.7% | 12.5% | 41% |
| CRE |
33.3%
+9.6pp YoY +9.4pp QoQ |
+8.0pp | 25.2% | 37.9% | 41.4% | 70% |
| 1-4 Family |
36.7%
-12.4pp YoY -12.3pp QoQ |
+1.7pp | 35.0% | 28.3% | 31.3% | 58% |
| Consumer |
2.0%
-0.3pp YoY -0.1pp QoQ |
-5.6pp | 7.7% | 5.4% | 5.0% | 23% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
12.2%
+0.1pp YoY +0.2pp QoQ |
-5.5pp | 17.7% | 12.2% | 12.6% | 42% |
| Total Capital Ratio | n/a | n/a | 39.7% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
0 YoY 0 QoQ |
+5 | 12 | 228 | 482 | 81% |
| Assets per Employee ($) |
$5.1M
+2.8% YoY -3.5% QoQ |
-$1.1M | $6.2M | $8.3M | $8.8M | 36% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.3%
+1.9pp YoY +0.9pp QoQ |
+7.9pp | 6.4% | 10.5% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 48% |
| Net Income ($, YTD) |
$754,000
+21.0% YoY — QoQ |
+$436K | $317,817 | $11.7M | $40.4M | 90% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.