BlastPoint's Banking Scorecard
Hartsburg State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 11716
Designations: ✓ Community bank
Hartsburg, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Hartsburg State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.64% below tier
- + Non-Interest-Bearing Deposit Share 18.31% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.01% below tier
- - Efficiency Ratio 29.73% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.3M
+10.3% YoY
+22.7% QoQ
|
-$197.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$6.0M
-5.7% YoY
-0.3% QoQ
|
-$133.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$17.3M
+1.7% YoY
+15.8% QoQ
|
-$166.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.07%
+119.8% YoY
+368.1% QoQ
|
-1.01% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
2.89%
+20.0% YoY
-5.3% QoQ
|
-0.96% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
97.46%
-15.5% YoY
-2.0% QoQ
|
+29.73% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.83%
-8.6% YoY
-51.3% QoQ
|
+0.19% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
34.88%
-7.3% YoY
-13.9% QoQ
|
-39.64% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.70%
+32.3% YoY
-12.7% QoQ
|
+18.31% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.25%
-21.9% YoY
-60.5% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
52% |
| 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 ? |
0.15%
-9.4% YoY
+6.3% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
34.88%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.70%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.46%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 34.88% · Tier avg: 74.53%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.70% · Tier avg: 22.39%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.64%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
7
7th pctile
Return on Assets
Current: 0.07% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 97.46% · Tier avg: 67.73%
2
2th pctile
Total Deposits
Current: $17.3M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $6.0M · Tier avg: $139.2M
1
1th pctile
Total Assets
Current: $20.3M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $20.3M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $6.0M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $17.3M · Tier avg: $183.7M
6
6th pctile
Efficiency Ratio
Current: 97.46% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.07% · Tier avg: 1.08%
13
13th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
33
33th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.70% · Tier avg: 22.39%
97
97th pctile
Loan-to-Deposit Ratio
Current: 34.88% · Tier avg: 74.53%