BlastPoint's Banking Scorecard
First State Bank of St. Peter
Micro
Specialty: Agricultural
IL
FDIC cert 11302
Designations: ✓ Community bank
Saint Peter, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First State Bank of St. Peter demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.42% below tier
- + Tier 1 Capital Ratio 34.73% 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 ? |
$29.3M
+2.4% YoY
-5.0% QoQ
|
-$188.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$8.2M
-1.3% YoY
-1.7% QoQ
|
-$131.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$23.4M
-0.3% YoY
-7.6% QoQ
|
-$160.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.40%
+11.0% YoY
-2.2% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.76%
+10.6% YoY
+3.3% QoQ
|
-0.09% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
54.03%
-5.5% YoY
-0.5% QoQ
|
-13.70% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.58%
+102.6% YoY
+52.5% QoQ
|
-0.06% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
35.11%
-1.0% YoY
+6.4% QoQ
|
-39.42% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.10%
+8.9% YoY
+9.0% QoQ
|
+10.70% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
0.37%
+347.6% YoY
+23.1% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
43.58%
+4.2% YoY
+1.2% QoQ
|
+34.73% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.13%
+2.9% YoY
+41.5% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
35.11%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
43.58%
(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
100
100th pctile
Tier 1 Capital Ratio
Current: 43.58% · Tier avg: 8.85%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.11% · Tier avg: 74.53%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.10% · Tier avg: 22.39%
83
83th pctile
Efficiency Ratio
Current: 54.03% · Tier avg: 67.73%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
3
3th pctile
Total Deposits
Current: $23.4M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $29.3M · Tier avg: $217.5M
3
3th pctile
Total Loans
Current: $8.2M · Tier avg: $139.2M
Top Weaknesses
3
3th pctile
Total Loans
Current: $8.2M · Tier avg: $139.2M
3
3th pctile
Total Assets
Current: $29.3M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $23.4M · Tier avg: $183.7M
13
13th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
44
44th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
83
83th pctile
Efficiency Ratio
Current: 54.03% · Tier avg: 67.73%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.10% · Tier avg: 22.39%
96
96th pctile
Loan-to-Deposit Ratio
Current: 35.11% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 43.58% · Tier avg: 8.85%