BlastPoint's Banking Scorecard

Villa Grove State Bank

under $100M Specialty: Other IL FDIC cert 9273

Designations: ✓ Community bank

Villa Grove, IL

2 branches across IL

541 banks in the under $100M peer group nationally 61 in IL

Villa Grove State Bank shows strong momentum with 4 strengths and 5.4% YoY asset growth

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 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.78% above tier average
+ Efficiency Ratio 32.33% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$89.0M +5.4% YoY +5.8% QoQ	+$26.9M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Top 14.0% in tier
Total Loans ?	$53.3M -1.2% YoY -5.2% QoQ	+$19.1M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$78.1M +5.6% YoY +6.4% QoQ	+$26.3M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Top 12.6% in tier
Return on Assets ?	1.62% +17.0% YoY +10.8% QoQ	+0.78%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	3.89% +5.7% YoY +1.0% QoQ	+0.03%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	56.01% -7.6% YoY -7.2% QoQ	-32.33%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	68.31% -6.5% YoY -10.9% QoQ	+4.10%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	28.01% +2.3% YoY +6.6% QoQ	+4.30%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.02% +1.1% YoY -0.7% QoQ	-14.66%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.02% -29.7% YoY -85.0% QoQ	-0.64%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	16%

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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 541 peers in under $100M

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Total Deposits

size

Value: $78.06M

Peer Median: $51.74M

#69 of 541 Top 12.6% in under $100M

Total Assets

size

Value: $89.02M

Peer Median: $62.16M

#77 of 541 Top 14.0% in under $100M

Efficiency Ratio

profitability

Value: 56.01%

Peer Median: 88.34%

#93 of 541 Top 17.0% in under $100M

102

Return on Assets

profitability

Value: 1.62%

Peer Median: 0.84%

#102 of 541 Top 18.7% in under $100M

103

Total Loans

size

Value: $53.33M

Peer Median: $34.25M

#103 of 541 Top 18.9% in under $100M

Top Weaknesses (2 metrics)

453

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#453 of 541 Bottom 16.5% in under $100M

415

Tier 1 Capital Ratio

capital

Value: 12.02%

Peer Median: 26.68%

#415 of 541 Bottom 23.5% in under $100M