BlastPoint's Banking Scorecard
Teutopolis State Bank
Micro
Specialty: Other
IL
FDIC cert 11708
Designations: ✓ Community bank
Teutopolis, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Teutopolis State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.79% 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 ? |
$355.0M
+2.1% YoY
+2.0% QoQ
|
+$137.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$177.2M
-0.4% YoY
+0.5% QoQ
|
+$38.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$307.5M
-0.1% YoY
+2.3% QoQ
|
+$123.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.57%
+24.9% YoY
-3.8% QoQ
|
+0.48% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.44%
+15.4% YoY
+1.3% QoQ
|
-0.42% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
39.94%
-14.9% YoY
+5.4% QoQ
|
-27.79% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.03%
-93.7% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
57.62%
-0.3% YoY
-1.8% QoQ
|
-16.91% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
23.78%
-5.9% YoY
-5.7% QoQ
|
+1.38% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.01%
-93.8% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
80% |
| 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 ? |
0.35%
+0.1% YoY
+30.3% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
39.94%
(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
98
98th pctile
Efficiency Ratio
Current: 39.94% · Tier avg: 67.73%
83
83th pctile
Total Deposits
Current: $307.5M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $355.0M · Tier avg: $217.5M
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
68
68th pctile
Total Loans
Current: $177.2M · Tier avg: $139.2M
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.78% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.62% · Tier avg: 74.53%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 57.62% · Tier avg: 74.53%
31
31th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.85%
48
48th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.78% · Tier avg: 22.39%
68
68th pctile
Total Loans
Current: $177.2M · Tier avg: $139.2M
77
77th pctile
Return on Assets
Current: 1.57% · Tier avg: 1.08%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
81
81th pctile
Total Assets
Current: $355.0M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $307.5M · Tier avg: $183.7M
98
98th pctile
Efficiency Ratio
Current: 39.94% · Tier avg: 67.73%