BlastPoint's Banking Scorecard
Camp Grove State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 10471
Designations: ✓ Community bank
Camp Grove, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Camp Grove State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.99% below tier
- - Efficiency Ratio 35.15% above tier
- - Loan-to-Deposit Ratio 37.98% below tier
- - Non-Interest-Bearing Deposit Share 16.85% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.6M
-5.6% YoY
-1.7% QoQ
|
-$159.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$15.4M
+26.2% YoY
+6.7% QoQ
|
-$123.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$42.1M
-12.0% YoY
-2.3% QoQ
|
-$141.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.09%
-49.7% YoY
-47.8% QoQ
|
-0.99% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.84%
+10.0% YoY
+1.3% QoQ
|
-1.01% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
102.87%
-4.7% YoY
+3.4% QoQ
|
+35.15% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? | 0.00% | -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 ? |
36.55%
+43.4% YoY
+9.2% QoQ
|
-37.98% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.55%
+17.1% YoY
+14.1% QoQ
|
-16.85% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.03%
-15.2% YoY
-4.3% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.01%
-78.8% YoY
+35.6% QoQ
|
-0.56% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (5)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
102.87%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
36.55%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.55%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.01%
(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%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
11
11th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.85%
9
9th pctile
Total Assets
Current: $57.6M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $42.1M · Tier avg: $183.7M
8
8th pctile
Return on Assets
Current: 0.09% · Tier avg: 1.08%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.55% · Tier avg: 22.39%
5
5th pctile
Total Loans
Current: $15.4M · Tier avg: $139.2M
4
4th pctile
Efficiency Ratio
Current: 102.87% · Tier avg: 67.73%
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.55% · Tier avg: 74.53%
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.56%
4
4th pctile
Loan-to-Deposit Ratio
Current: 36.55% · Tier avg: 74.53%
4
4th pctile
Efficiency Ratio
Current: 102.87% · Tier avg: 67.73%
5
5th pctile
Total Loans
Current: $15.4M · Tier avg: $139.2M
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.55% · Tier avg: 22.39%
8
8th pctile
Return on Assets
Current: 0.09% · Tier avg: 1.08%
8
8th pctile
Total Deposits
Current: $42.1M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $57.6M · Tier avg: $217.5M
11
11th pctile
Net Interest Margin
Current: 2.84% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%