BlastPoint's Banking Scorecard
Du Quoin State Bank
Micro
Specialty: Other
IL
FDIC cert 10804
Designations: ✓ Community bank
Du Quoin, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Du Quoin State Bank shows strong momentum with 2 strengths and 5.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 38.02% below tier
- + Tier 1 Capital Ratio 15.39% above 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 ? |
$138.5M
+5.2% YoY
+3.1% QoQ
|
-$79.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$46.3M
+9.3% YoY
+1.1% QoQ
|
-$92.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$126.9M
+3.8% YoY
+3.1% QoQ
|
-$56.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.90%
-4.9% YoY
-13.3% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.29%
-5.8% YoY
-0.7% QoQ
|
-0.57% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
72.97%
-2.0% YoY
+2.0% QoQ
|
+5.24% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.08%
-94.8% YoY
-6.3% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
36.50%
+5.3% YoY
-1.9% QoQ
|
-38.02% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.26%
-4.7% YoY
-5.8% QoQ
|
-2.14% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.03%
-94.6% YoY
-8.1% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
24.24%
+0.7% YoY
-2.1% QoQ
|
+15.39% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.48%
+11.9% YoY
+22.6% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
36.50%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.24%
(Tier avg: 8.85%, National avg: 9.75%)
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.50% · Tier avg: 74.53%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.24% · Tier avg: 8.85%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.26% · Tier avg: 22.39%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
38
38th pctile
Total Deposits
Current: $126.9M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $138.5M · Tier avg: $217.5M
33
33th pctile
Efficiency Ratio
Current: 72.97% · Tier avg: 67.73%
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
18
18th pctile
Total Loans
Current: $46.3M · Tier avg: $139.2M
Top Weaknesses
18
18th pctile
Total Loans
Current: $46.3M · Tier avg: $139.2M
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
33
33th pctile
Efficiency Ratio
Current: 72.97% · Tier avg: 67.73%
34
34th pctile
Total Assets
Current: $138.5M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $126.9M · Tier avg: $183.7M
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.26% · Tier avg: 22.39%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.24% · Tier avg: 8.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.50% · Tier avg: 74.53%