BlastPoint's Banking Scorecard
La Salle State Bank
Micro
Specialty: Commercial
IL
FDIC cert 12410
Designations: ✓ Community bank
La Salle, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
La Salle State Bank 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
- - Net Interest Margin 1.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.6M
+1.9% YoY
-2.1% QoQ
|
-$34.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$87.1M
+4.3% YoY
+1.2% QoQ
|
-$52.1M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$151.6M
-0.2% YoY
-2.6% QoQ
|
-$32.1M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.50%
+18.6% QoQ
|
-0.58% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.75%
+15.7% YoY
+4.1% QoQ
|
-1.10% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
82.00%
-16.7% YoY
-2.1% QoQ
|
+14.27% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.08%
-80.0% YoY
-85.1% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
57.48%
+4.5% YoY
+3.9% QoQ
|
-17.05% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
12.24%
+7.1% YoY
+0.1% QoQ
|
-10.15% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.04%
-79.6% YoY
-84.6% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
16.26%
+2.2% YoY
-0.3% QoQ
|
+7.41% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.46%
+4.9% YoY
+45.3% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.75%
(Tier avg: 3.85%, National avg: 3.75%)
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
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.48% · Tier avg: 74.53%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.26% · Tier avg: 8.85%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
46
46th pctile
Total Assets
Current: $182.6M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $151.6M · Tier avg: $183.7M
37
37th pctile
Total Loans
Current: $87.1M · Tier avg: $139.2M
18
18th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
18
18th pctile
Efficiency Ratio
Current: 82.00% · Tier avg: 67.73%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.24% · Tier avg: 22.39%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.24% · Tier avg: 22.39%
18
18th pctile
Efficiency Ratio
Current: 82.00% · Tier avg: 67.73%
18
18th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.08%
37
37th pctile
Total Loans
Current: $87.1M · Tier avg: $139.2M
46
46th pctile
Total Deposits
Current: $151.6M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $182.6M · Tier avg: $217.5M
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.26% · Tier avg: 8.85%
79
79th pctile
Loan-to-Deposit Ratio
Current: 57.48% · Tier avg: 74.53%