BlastPoint's Banking Scorecard
Bank of Kampsville
Micro
Specialty: Other
IL
FDIC cert 11750
Designations: ✓ Community bank
Kampsville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Bank of Kampsville shows strong momentum with 1 strength and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 30.37% 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 ? |
$129.5M
+7.4% YoY
+3.6% QoQ
|
-$88.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$46.9M
-0.1% YoY
+0.2% QoQ
|
-$92.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$106.3M
+7.0% YoY
+3.9% QoQ
|
-$77.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.75%
+5.8% YoY
+10.0% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
2.90%
+3.8% YoY
+3.1% QoQ
|
-0.95% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
70.99%
-0.1% YoY
-2.8% QoQ
|
+3.26% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
1.25%
+511.3% YoY
-44.3% QoQ
|
+0.61% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
44.15%
-6.6% YoY
-3.6% QoQ
|
-30.37% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.23%
-1.3% YoY
+2.1% QoQ
|
+3.83% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.47%
+489.5% YoY
-44.2% QoQ
|
+0.02% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.34%
-4.3% YoY
+30.5% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.15%
(Tier avg: 74.53%, National avg: 78.04%)
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
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.15% · Tier avg: 74.53%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.23% · 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: 0.34% · Tier avg: 0.56%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
37
37th pctile
Efficiency Ratio
Current: 70.99% · Tier avg: 67.73%
31
31th pctile
Total Assets
Current: $129.5M · Tier avg: $217.5M
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
31
31th pctile
Total Deposits
Current: $106.3M · Tier avg: $183.7M
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
18
18th pctile
Total Loans
Current: $46.9M · Tier avg: $139.2M
13
13th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.85%
Top Weaknesses
13
13th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.85%
18
18th pctile
Total Loans
Current: $46.9M · Tier avg: $139.2M
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
31
31th pctile
Total Deposits
Current: $106.3M · Tier avg: $183.7M
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
31
31th pctile
Total Assets
Current: $129.5M · Tier avg: $217.5M
37
37th pctile
Efficiency Ratio
Current: 70.99% · Tier avg: 67.73%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.45%
48
48th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.23% · Tier avg: 22.39%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.15% · Tier avg: 74.53%