BlastPoint's Banking Scorecard
State Bank of Graymont
Micro
Specialty: Agricultural
IL
FDIC cert 10434
Designations: ✓ Community bank
Graymont, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
State Bank of Graymont faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.28% below tier
- - Delinquency Rate 3.21% above tier
- - Nonperforming Asset Ratio 1.76% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$323.0M
+1.9% YoY
+4.9% QoQ
|
+$105.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$185.3M
-2.1% YoY
-2.3% QoQ
|
+$46.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$282.1M
+0.4% YoY
+5.2% QoQ
|
+$98.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.65%
+49.8% YoY
+3.6% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.57%
+6.4% YoY
+3.5% QoQ
|
-1.28% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
69.33%
-3.1% YoY
-1.6% QoQ
|
+1.60% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
3.85%
+591.1% YoY
-0.9% QoQ
|
+3.21% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
65.70%
-2.5% YoY
-7.1% QoQ
|
-8.83% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
18.85%
+11.1% YoY
+19.6% QoQ
|
-3.54% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
2.21%
+564.1% YoY
-7.8% QoQ
|
+1.76% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.48%
+7.5% YoY
+33.3% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.57%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.85%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.21%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Total Deposits
Current: $282.1M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $323.0M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $185.3M · Tier avg: $139.2M
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.70% · Tier avg: 74.53%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Efficiency Ratio
Current: 69.33% · Tier avg: 67.73%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.85% · Tier avg: 22.39%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
6
6th pctile
Net Interest Margin
Current: 2.57% · Tier avg: 3.85%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.21% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.85% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.85% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.21% · Tier avg: 0.45%
6
6th pctile
Net Interest Margin
Current: 2.57% · Tier avg: 3.85%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.85% · Tier avg: 22.39%
42
42th pctile
Efficiency Ratio
Current: 69.33% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.70% · Tier avg: 74.53%
70
70th pctile
Total Loans
Current: $185.3M · Tier avg: $139.2M
76
76th pctile
Total Assets
Current: $323.0M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $282.1M · Tier avg: $183.7M