BlastPoint's Banking Scorecard
Goodfield State Bank
Micro
Specialty: Commercial
IL
FDIC cert 11699
Designations: ✓ Community bank
Goodfield, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Goodfield State Bank shows strong momentum with 2 strengths and 18.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.20% above tier
- + Efficiency Ratio 18.05% below 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 ? |
$274.5M
+18.6% YoY
+12.4% QoQ
|
+$57.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$207.3M
+14.5% YoY
+2.1% QoQ
|
+$68.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$241.9M
+17.2% YoY
+13.5% QoQ
|
+$58.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
2.29%
+14.3% YoY
-6.1% QoQ
|
+1.20% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.15%
+11.9% YoY
+0.3% QoQ
|
+0.30% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
49.68%
-5.6% YoY
+6.8% QoQ
|
-18.05% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
1.13%
+51.8% YoY
+60.2% QoQ
|
+0.49% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
85.69%
-2.3% YoY
-10.1% QoQ
|
+11.16% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
13.14%
-8.4% YoY
+16.3% QoQ
|
-9.26% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.85%
+38.0% YoY
+45.5% QoQ
|
+0.40% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
13.64%
-2.5% YoY
+0.0% QoQ
|
+4.79% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.84%
-8.3% YoY
+19.8% QoQ
|
+0.28% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.29%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.68%
(Tier avg: 67.73%, National avg: 65.09%)
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
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.08%
90
90th pctile
Efficiency Ratio
Current: 49.68% · Tier avg: 67.73%
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
76
76th pctile
Total Loans
Current: $207.3M · Tier avg: $139.2M
69
69th pctile
Total Deposits
Current: $241.9M · Tier avg: $183.7M
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.69% · Tier avg: 74.53%
67
67th pctile
Total Assets
Current: $274.5M · Tier avg: $217.5M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.64% · Tier avg: 8.85%
66
66th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
26
26th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.14% · Tier avg: 22.39%
Top Weaknesses
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.14% · Tier avg: 22.39%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.64%
66
66th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.64% · Tier avg: 8.85%
67
67th pctile
Total Assets
Current: $274.5M · Tier avg: $217.5M
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.69% · Tier avg: 74.53%
69
69th pctile
Total Deposits
Current: $241.9M · Tier avg: $183.7M
76
76th pctile
Total Loans
Current: $207.3M · Tier avg: $139.2M
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
90
90th pctile
Efficiency Ratio
Current: 49.68% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.08%