BlastPoint's Banking Scorecard
Exchange State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 12402
Designations: ✓ Community bank
Lanark, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Exchange State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$109.1M
-0.8% YoY
-2.3% QoQ
|
-$108.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$61.9M
+2.1% YoY
+2.6% QoQ
|
-$77.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$93.9M
-3.5% YoY
-4.1% QoQ
|
-$89.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.07%
+2.0% YoY
-17.4% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.15%
+8.2% YoY
+2.4% QoQ
|
-0.70% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
62.61%
-4.0% YoY
+3.5% QoQ
|
-5.12% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? | 0.00% | -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 ? |
65.86%
+5.7% YoY
+6.9% QoQ
|
-8.66% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
13.66%
-3.0% YoY
+24.9% QoQ
|
-8.74% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.00% | -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%
-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 ? |
0.50%
-16.2% YoY
+39.6% QoQ
|
-0.06% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (2)
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%)
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%
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.56%
60
60th pctile
Efficiency Ratio
Current: 62.61% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.86% · Tier avg: 74.53%
26
26th pctile
Total Deposits
Current: $93.9M · Tier avg: $183.7M
25
25th pctile
Total Loans
Current: $61.9M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $109.1M · Tier avg: $217.5M
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.66% · Tier avg: 22.39%
Top Weaknesses
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.66% · Tier avg: 22.39%
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
25
25th pctile
Total Assets
Current: $109.1M · Tier avg: $217.5M
25
25th pctile
Total Loans
Current: $61.9M · Tier avg: $139.2M
26
26th pctile
Total Deposits
Current: $93.9M · Tier avg: $183.7M
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.86% · Tier avg: 74.53%
50
50th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Efficiency Ratio
Current: 62.61% · Tier avg: 67.73%
69
69th pctile
Non-Interest Income / Assets
Current: 0.50% · 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%