BlastPoint's Banking Scorecard
Buckley State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 12121
Designations: ✓ Community bank
Buckley, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Buckley State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.17% above tier
- + Non-Interest-Bearing Deposit Share 17.70% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.20% above tier
- - Nonperforming Asset Ratio 1.50% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$48.6M
-1.9% YoY
-1.3% QoQ
|
-$168.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$33.4M
-3.8% YoY
-7.3% QoQ
|
-$105.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$42.3M
-2.5% YoY
-1.5% QoQ
|
-$141.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.12%
+16.3% YoY
-13.4% QoQ
|
+0.03% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
5.03%
+5.9% YoY
+0.6% QoQ
|
+1.17% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
60.90%
+16.7% YoY
+12.7% QoQ
|
-6.83% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
2.84%
+96.7% YoY
+38.1% QoQ
|
+2.20% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
78.96%
-1.3% YoY
-5.8% QoQ
|
+4.44% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
40.10%
+5.8% YoY
+16.7% QoQ
|
+17.70% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
1.95%
+93.0% YoY
+29.7% QoQ
|
+1.50% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% 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 ? |
0.21%
-10.2% YoY
+45.0% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.03%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.10%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.84%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.95%
(Tier avg: 0.45%, National avg: 0.48%)
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.10% · Tier avg: 22.39%
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
65
65th pctile
Efficiency Ratio
Current: 60.90% · Tier avg: 67.73%
53
53th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.96% · Tier avg: 74.53%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
12
12th pctile
Total Loans
Current: $33.4M · Tier avg: $139.2M
8
8th pctile
Total Deposits
Current: $42.3M · Tier avg: $183.7M
8
8th pctile
Delinquency Rate
Current: 2.84% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.95% · Tier avg: 0.45%
7
7th pctile
Total Assets
Current: $48.6M · Tier avg: $217.5M
Top Weaknesses
7
7th pctile
Total Assets
Current: $48.6M · Tier avg: $217.5M
7
7th pctile
Nonperforming Asset Ratio
Current: 1.95% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.84% · Tier avg: 0.64%
8
8th pctile
Total Deposits
Current: $42.3M · Tier avg: $183.7M
12
12th pctile
Total Loans
Current: $33.4M · Tier avg: $139.2M
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.96% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
65
65th pctile
Efficiency Ratio
Current: 60.90% · Tier avg: 67.73%
91
91th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.10% · Tier avg: 22.39%