BlastPoint's Banking Scorecard
The Peoples State Bank of Newton, Illinois
Community
Specialty: Agricultural
IL
FDIC cert 11722
Newton, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
The Peoples State Bank of Newton, Illinois faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 33% in Community
- - Credit Risk Growth: Bottom 35% in Community
- - Capital Thin: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$719.7M
+3.5% YoY
+2.5% QoQ
|
-$671.8M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$504.2M
+7.3% YoY
+5.6% QoQ
|
-$471.3M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$563.1M
-2.8% YoY
-2.9% QoQ
|
-$601.5M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.17%
+12.1% YoY
-3.6% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.46%
+11.7% YoY
+2.3% QoQ
|
-0.20% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
50.43%
-4.6% YoY
+0.2% QoQ
|
-12.20% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.38%
+52.0% YoY
-12.5% QoQ
|
-0.25% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
89.53%
+10.3% YoY
+8.8% QoQ
|
+6.47% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
18.59%
-3.0% YoY
-6.3% QoQ
|
-2.45% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.27%
+34.7% YoY
-9.8% QoQ
|
-0.23% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.46%
-2.8% YoY
+30.7% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Deposit Outflow
decline
#83 of 248 · Bottom 33% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Credit Risk Growth
risk
#226 of 642 · Bottom 35% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#160 of 432 · Bottom 37% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
83
83th pctile
Efficiency Ratio
Current: 50.43% · Tier avg: 62.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
55
55th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.63%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.59% · Tier avg: 21.05%
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.53% · Tier avg: 83.06%
32
32th pctile
Total Loans
Current: $504.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Assets
Current: $719.7M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $563.1M · Tier avg: $1.2B
Top Weaknesses
23
23th pctile
Total Deposits
Current: $563.1M · Tier avg: $1.2B
29
29th pctile
Total Assets
Current: $719.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Loans
Current: $504.2M · Tier avg: $975.5M
36
36th pctile
Loan-to-Deposit Ratio
Current: 89.53% · Tier avg: 83.06%
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 18.59% · Tier avg: 21.05%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
55
55th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.63%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.50%
83
83th pctile
Efficiency Ratio
Current: 50.43% · Tier avg: 62.63%