BlastPoint's Banking Scorecard
Central Bank Illinois
Community
Specialty: Agricultural
IL
FDIC cert 11670
Geneseo, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Central Bank Illinois faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 19% in Community
- - Liquidity Strain: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+0.8% YoY
+0.9% QoQ
|
+$31.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$983.4M
+5.1% YoY
+2.6% QoQ
|
+$7.9M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.0B
-1.1% YoY
+0.6% QoQ
|
-$122.7M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.18%
-1.0% YoY
-0.2% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.66%
+5.7% YoY
+1.0% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
49.98%
-6.5% YoY
-2.1% QoQ
|
-12.65% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
1.23%
+240.7% QoQ
|
+0.60% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
94.38%
+6.3% YoY
+1.9% QoQ
|
+11.32% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
15.43%
+0.8% YoY
+7.2% QoQ
|
-5.62% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.88%
+600.9% YoY
+212.4% QoQ
|
+0.38% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.50%
+8.4% YoY
+38.1% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#85 of 432 · Bottom 19% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#147 of 513 · Bottom 29% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.38%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
84
84th pctile
Efficiency Ratio
Current: 49.98% · Tier avg: 62.63%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.38% · Tier avg: 83.06%
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
67
67th pctile
Total Loans
Current: $983.4M · Tier avg: $975.5M
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.43% · Tier avg: 21.05%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
20
20th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.63%
Top Weaknesses
20
20th pctile
Delinquency Rate
Current: 1.23% · Tier avg: 0.63%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.43% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
51
51th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.66%
54
54th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.16%
61
61th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
67
67th pctile
Total Loans
Current: $983.4M · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.38% · Tier avg: 83.06%
84
84th pctile
Efficiency Ratio
Current: 49.98% · Tier avg: 62.63%