BlastPoint's Banking Scorecard
Anna State Bank
Micro
Specialty: Other
IL
FDIC cert 11682
Designations: ✓ Community bank
Anna, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Anna State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.55% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.37% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$111.8M
+4.9% YoY
+3.0% QoQ
|
-$105.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$43.9M
+2.1% YoY
+4.8% QoQ
|
-$95.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$97.7M
+5.8% YoY
+3.8% QoQ
|
-$86.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.65%
+53.4% YoY
+4.4% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.48%
+10.6% YoY
+2.1% QoQ
|
-1.37% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
70.85%
-10.1% YoY
+0.5% QoQ
|
+3.13% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.61%
+244.2% YoY
|
-0.03% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
44.97%
-3.5% YoY
+1.0% QoQ
|
-29.55% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.65%
-6.6% YoY
-4.7% QoQ
|
+5.25% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.24%
+235.0% YoY
|
-0.21% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
53% |
| 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 ? |
0.17%
-14.7% YoY
+28.1% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.97%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.48%
(Tier avg: 3.85%, National avg: 3.75%)
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
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.97% · Tier avg: 74.53%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.65% · Tier avg: 22.39%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
38
38th pctile
Efficiency Ratio
Current: 70.85% · Tier avg: 67.73%
28
28th pctile
Total Deposits
Current: $97.7M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $111.8M · Tier avg: $217.5M
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
17
17th pctile
Total Loans
Current: $43.9M · Tier avg: $139.2M
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.85%
17
17th pctile
Total Loans
Current: $43.9M · Tier avg: $139.2M
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
26
26th pctile
Total Assets
Current: $111.8M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $97.7M · Tier avg: $183.7M
38
38th pctile
Efficiency Ratio
Current: 70.85% · Tier avg: 67.73%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.65% · Tier avg: 22.39%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.97% · Tier avg: 74.53%