BlastPoint's Banking Scorecard
Community Bank
Micro
Specialty: Agricultural
IL
FDIC cert 10791
Designations: ✓ Community bank
Winslow, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Community Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.62% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.38% above tier
- - Non-Interest-Bearing Deposit Share 17.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$298.7M
+3.4% YoY
+0.7% QoQ
|
+$81.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$206.7M
+9.0% YoY
+1.8% QoQ
|
+$67.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$195.2M
-0.3% YoY
-1.7% QoQ
|
+$11.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.42%
-4.3% YoY
-1.8% QoQ
|
+0.34% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
2.89%
+1.6% YoY
+0.8% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
50.67%
+5.7% YoY
+2.7% QoQ
|
-17.06% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.42%
-8.0% YoY
-5.3% QoQ
|
+0.78% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
105.91%
+9.4% YoY
+3.5% QoQ
|
+31.38% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.94%
+20.9% YoY
+5.0% QoQ
|
-17.45% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.98%
-3.0% YoY
-4.3% QoQ
|
+0.53% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
24.48%
-1.6% YoY
+0.7% QoQ
|
+15.62% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.13%
-27.1% YoY
+32.9% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.48%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
105.91%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.94%
(Tier avg: 22.39%, National avg: 21.79%)
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
93
93th pctile
Tier 1 Capital Ratio
Current: 24.48% · Tier avg: 8.85%
89
89th pctile
Efficiency Ratio
Current: 50.67% · Tier avg: 67.73%
76
76th pctile
Total Loans
Current: $206.7M · Tier avg: $139.2M
72
72th pctile
Total Assets
Current: $298.7M · Tier avg: $217.5M
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
58
58th pctile
Total Deposits
Current: $195.2M · Tier avg: $183.7M
20
20th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.94% · Tier avg: 22.39%
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.91% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.91% · Tier avg: 74.53%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.94% · Tier avg: 22.39%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
20
20th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.64%
58
58th pctile
Total Deposits
Current: $195.2M · Tier avg: $183.7M
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
72
72th pctile
Total Assets
Current: $298.7M · Tier avg: $217.5M
76
76th pctile
Total Loans
Current: $206.7M · Tier avg: $139.2M
89
89th pctile
Efficiency Ratio
Current: 50.67% · Tier avg: 67.73%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.48% · Tier avg: 8.85%