BlastPoint's Banking Scorecard
State Bank of Cherry
Micro
Specialty: Agricultural
IL
FDIC cert 11686
Designations: ✓ Community bank
Cherry, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
State Bank of Cherry faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.6M
+7.1% YoY
-0.2% QoQ
|
-$79.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$97.9M
-1.4% YoY
+1.1% QoQ
|
-$41.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$107.1M
+5.0% YoY
-0.4% QoQ
|
-$76.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.45%
-15.0% YoY
-9.3% QoQ
|
+0.37% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.76%
+1.6% YoY
-2.0% QoQ
|
-0.09% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
57.37%
+9.3% YoY
+2.9% QoQ
|
-10.36% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
1.06%
-66.1% YoY
-30.6% QoQ
|
+0.42% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
91.37%
-6.1% YoY
+1.5% QoQ
|
+16.85% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
17.04%
-6.2% YoY
-1.5% QoQ
|
-5.35% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
2.01%
-16.8% YoY
+87.4% QoQ
|
+1.55% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% 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 ? |
0.24%
+16.3% YoY
+30.8% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.01%
(Tier avg: 0.45%, National avg: 0.48%)
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
75
75th pctile
Efficiency Ratio
Current: 57.37% · Tier avg: 67.73%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
43
43th pctile
Total Loans
Current: $97.9M · Tier avg: $139.2M
34
34th pctile
Total Assets
Current: $137.6M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $107.1M · Tier avg: $183.7M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.04% · Tier avg: 22.39%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.37% · Tier avg: 74.53%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.01% · Tier avg: 0.45%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 2.01% · Tier avg: 0.45%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.37% · Tier avg: 74.53%
28
28th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.04% · Tier avg: 22.39%
31
31th pctile
Total Deposits
Current: $107.1M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $137.6M · Tier avg: $217.5M
43
43th pctile
Total Loans
Current: $97.9M · Tier avg: $139.2M
47
47th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Return on Assets
Current: 1.45% · Tier avg: 1.08%
75
75th pctile
Efficiency Ratio
Current: 57.37% · Tier avg: 67.73%