BlastPoint's Banking Scorecard
Sainte Marie State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 12086
Designations: ✓ Community bank
Sainte Marie, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Sainte Marie State Bank shows strong momentum with 4 strengths and 30.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 1.62% above 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 ? |
$18.9M
+30.7% YoY
+7.0% QoQ
|
-$198.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$7.9M
+40.7% YoY
+20.8% QoQ
|
-$131.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$15.0M
+34.8% YoY
+8.0% QoQ
|
-$168.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
2.03%
+123.6% YoY
+44.5% QoQ
|
+0.95% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.06%
-3.0% YoY
+0.2% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
72.65%
-10.5% YoY
-3.0% QoQ
|
+4.92% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.45%
+4.4% YoY
+11.9% QoQ
|
-22.07% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
28.37%
-10.5% YoY
-6.0% QoQ
|
+5.97% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
2.19%
+305.0% YoY
+60.8% QoQ
|
+1.62% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.19%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Non-Interest Income / Assets
Current: 2.19% · Tier avg: 0.56%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.45% · Tier avg: 74.53%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.37% · Tier avg: 22.39%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Efficiency Ratio
Current: 72.65% · Tier avg: 67.73%
3
3th pctile
Total Loans
Current: $7.9M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $15.0M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $18.9M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $18.9M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $15.0M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $7.9M · Tier avg: $139.2M
33
33th pctile
Efficiency Ratio
Current: 72.65% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.37% · Tier avg: 22.39%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.45% · Tier avg: 74.53%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
98
98th pctile
Non-Interest Income / Assets
Current: 2.19% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%