BlastPoint's Banking Scorecard
The Iuka State Bank
Micro
Specialty: Commercial
IL
FDIC cert 11317
Designations: ✓ Community bank
Salem, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The Iuka State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.89% above tier
- - Loan-to-Deposit Ratio 38.37% above tier
- - Nonperforming Asset Ratio 4.06% above tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.5M
+1.1% YoY
+0.8% QoQ
|
-$74.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$115.7M
+2.2% YoY
-2.5% QoQ
|
-$23.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$102.4M
+5.0% YoY
+0.9% QoQ
|
-$81.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.45%
-37.9% YoY
-41.7% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
4.79%
-0.3% YoY
-3.9% QoQ
|
+0.94% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
72.14%
+20.8% YoY
+3.9% QoQ
|
+4.41% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
5.53%
+30.1% YoY
+96.7% QoQ
|
+4.89% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
112.90%
-2.7% YoY
-3.4% QoQ
|
+38.37% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.90%
+19.3% YoY
+20.3% QoQ
|
-1.49% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
4.52%
+11.6% YoY
+71.3% QoQ
|
+4.06% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.02%
-94.9% YoY
+509.2% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.53%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
112.90%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.52%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
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
87
87th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Loans
Current: $115.7M · Tier avg: $139.2M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.90% · Tier avg: 22.39%
36
36th pctile
Total Assets
Current: $143.5M · Tier avg: $217.5M
35
35th pctile
Efficiency Ratio
Current: 72.14% · Tier avg: 67.73%
29
29th pctile
Total Deposits
Current: $102.4M · Tier avg: $183.7M
16
16th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.90% · Tier avg: 74.53%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 5.53% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.52% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.52% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.53% · Tier avg: 0.64%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
3
3th pctile
Loan-to-Deposit Ratio
Current: 112.90% · Tier avg: 74.53%
16
16th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
29
29th pctile
Total Deposits
Current: $102.4M · Tier avg: $183.7M
35
35th pctile
Efficiency Ratio
Current: 72.14% · Tier avg: 67.73%
36
36th pctile
Total Assets
Current: $143.5M · Tier avg: $217.5M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.90% · Tier avg: 22.39%
48
48th pctile
Total Loans
Current: $115.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
87
87th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.85%