BlastPoint's Banking Scorecard
State Bank of Toulon
Micro
Specialty: Agricultural
IL
FDIC cert 12386
Designations: ✓ Community bank
Toulon, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
State Bank of Toulon faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 15.37% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$325.7M
+3.6% YoY
+1.2% QoQ
|
+$108.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$215.9M
+5.2% YoY
+1.0% QoQ
|
+$76.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$282.2M
+1.9% YoY
+1.6% QoQ
|
+$98.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.05%
+23.4% YoY
-7.6% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.38%
+12.1% YoY
+1.1% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
63.64%
-9.0% YoY
+6.0% QoQ
|
-4.08% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.16%
+30.5% YoY
+58.7% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
76.49%
+3.3% YoY
-0.6% QoQ
|
+1.96% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
7.02%
-1.1% YoY
+9.0% QoQ
|
-15.37% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+18.4% YoY
+49.3% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.27%
+0.4% YoY
-1.6% QoQ
|
+3.42% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.27%
-3.2% YoY
+31.0% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.02%
(Tier avg: 22.39%, National avg: 21.79%)
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
78
78th pctile
Total Deposits
Current: $282.2M · Tier avg: $183.7M
78
78th pctile
Total Loans
Current: $215.9M · Tier avg: $139.2M
77
77th pctile
Total Assets
Current: $325.7M · Tier avg: $217.5M
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.27% · Tier avg: 8.85%
56
56th pctile
Efficiency Ratio
Current: 63.64% · Tier avg: 67.73%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.49% · Tier avg: 74.53%
49
49th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.08%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
28
28th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.02% · Tier avg: 22.39%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.02% · Tier avg: 22.39%
28
28th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
49
49th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.08%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.49% · Tier avg: 74.53%
56
56th pctile
Efficiency Ratio
Current: 63.64% · Tier avg: 67.73%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.27% · Tier avg: 8.85%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
77
77th pctile
Total Assets
Current: $325.7M · Tier avg: $217.5M
78
78th pctile
Total Loans
Current: $215.9M · Tier avg: $139.2M
78
78th pctile
Total Deposits
Current: $282.2M · Tier avg: $183.7M