BlastPoint's Banking Scorecard
Middletown State Bank
Micro
Specialty: Other
IL
FDIC cert 10463
Designations: ✓ Community bank
Middletown, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Middletown State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$45.7M
+14.6% YoY
+0.7% QoQ
|
-$171.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$32.4M
+8.1% YoY
+14.4% QoQ
|
-$106.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$38.2M
+10.7% YoY
+0.5% QoQ
|
-$145.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.49%
-73.3% YoY
+134.8% QoQ
|
-0.60% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
3.32%
+0.4% YoY
+18.5% QoQ
|
-0.53% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
54.58%
+21.3% YoY
-0.3% QoQ
|
-13.15% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
84.77%
-2.3% YoY
+13.9% QoQ
|
+10.24% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
13.71%
-15.6% YoY
-11.9% QoQ
|
-8.68% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.86%
-1.8% QoQ
|
+5.01% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.04%
-74.4% YoY
+68.8% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Efficiency Ratio
Current: 54.58% · Tier avg: 67.73%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.86% · Tier avg: 8.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.77% · Tier avg: 74.53%
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.71% · Tier avg: 22.39%
18
18th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.08%
12
12th pctile
Total Loans
Current: $32.4M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $38.2M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $45.7M · Tier avg: $217.5M
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
6
6th pctile
Total Assets
Current: $45.7M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $38.2M · Tier avg: $183.7M
12
12th pctile
Total Loans
Current: $32.4M · Tier avg: $139.2M
18
18th pctile
Return on Assets
Current: 0.49% · Tier avg: 1.08%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.71% · Tier avg: 22.39%
26
26th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.77% · Tier avg: 74.53%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.86% · Tier avg: 8.85%
82
82th pctile
Efficiency Ratio
Current: 54.58% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%