BlastPoint's Banking Scorecard
Dewey Bank
Micro
Specialty: Agricultural
IL
FDIC cert 10803
Designations: ✓ Community bank
Dewey, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Dewey Bank shows strong momentum with 2 strengths and 8.9% YoY asset growth
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
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.9M
+8.9% YoY
-2.1% QoQ
|
-$186.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$22.5M
+10.4% YoY
+0.6% QoQ
|
-$116.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$26.0M
+5.0% YoY
-6.3% QoQ
|
-$157.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.26%
+30.9% YoY
-7.7% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.92%
+9.0% YoY
+2.2% QoQ
|
+1.07% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
71.71%
-8.0% YoY
+1.7% QoQ
|
+3.99% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
36% |
| 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 ? |
86.51%
+5.2% YoY
+7.4% QoQ
|
+11.99% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
24.49%
-18.8% YoY
-2.8% QoQ
|
+2.10% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
61% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
12.63%
+9.4% YoY
+2.0% QoQ
|
+3.78% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.30%
-27.7% YoY
+35.7% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
41% |
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 (0)
No concerns identified
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%
89
89th pctile
Net Interest Margin
Current: 4.92% · Tier avg: 3.85%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.63% · Tier avg: 8.85%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.49% · Tier avg: 22.39%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
36
36th pctile
Efficiency Ratio
Current: 71.71% · Tier avg: 67.73%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.51% · Tier avg: 74.53%
8
8th pctile
Total Loans
Current: $22.5M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $26.0M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $30.9M · Tier avg: $217.5M
Top Weaknesses
3
3th pctile
Total Assets
Current: $30.9M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $26.0M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $22.5M · Tier avg: $139.2M
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.51% · Tier avg: 74.53%
36
36th pctile
Efficiency Ratio
Current: 71.71% · Tier avg: 67.73%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
61
61th pctile
Non-Interest-Bearing Deposit Share
Current: 24.49% · Tier avg: 22.39%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.63% · Tier avg: 8.85%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.92% · Tier avg: 3.85%
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%