BlastPoint's Banking Scorecard
Illini State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 10788
Designations: ✓ Community bank
Oglesby, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Illini State Bank faces 1 concern 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 1.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.4M
+3.0% YoY
+1.5% QoQ
|
-$45.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$107.3M
-0.3% YoY
+0.5% QoQ
|
-$31.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$123.5M
-1.1% YoY
-1.8% QoQ
|
-$60.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.04%
+8.9% YoY
-0.1% QoQ
|
-0.05% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
2.71%
+2.1% YoY
+1.9% QoQ
|
-1.14% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
58.60%
-4.2% YoY
+1.6% QoQ
|
-9.12% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
1.96%
-0.6% QoQ
|
+1.32% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
86.88%
+0.9% YoY
+2.3% QoQ
|
+12.35% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
18.98%
-4.9% YoY
+12.9% QoQ
|
-3.42% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
1.22%
-1.6% QoQ
|
+0.77% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
15% |
| 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 ? |
0.12%
+18.9% YoY
+34.2% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.71%
(Tier avg: 3.85%, National avg: 3.75%)
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
71
71th pctile
Efficiency Ratio
Current: 58.60% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
45
45th pctile
Total Loans
Current: $107.3M · Tier avg: $139.2M
44
44th pctile
Total Assets
Current: $172.4M · Tier avg: $217.5M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.98% · Tier avg: 22.39%
37
37th pctile
Total Deposits
Current: $123.5M · Tier avg: $183.7M
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.88% · Tier avg: 74.53%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 1.96% · Tier avg: 0.64%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
8
8th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.71% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
13
13th pctile
Delinquency Rate
Current: 1.96% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.88% · Tier avg: 74.53%
37
37th pctile
Total Deposits
Current: $123.5M · Tier avg: $183.7M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.98% · Tier avg: 22.39%
44
44th pctile
Total Assets
Current: $172.4M · Tier avg: $217.5M
45
45th pctile
Total Loans
Current: $107.3M · Tier avg: $139.2M
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
71
71th pctile
Efficiency Ratio
Current: 58.60% · Tier avg: 67.73%