BlastPoint's Banking Scorecard
State Bank
Micro
Specialty: Commercial
IL
FDIC cert 12706
Designations: ✓ Community bank
Waterloo, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.34% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.65% above tier
- - Nonperforming Asset Ratio 1.69% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.9M
-0.9% YoY
-0.1% QoQ
|
+$86.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$198.2M
+11.9% YoY
+4.7% QoQ
|
+$59.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$260.7M
+3.5% YoY
-0.0% QoQ
|
+$77.1M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.56%
+997.3% YoY
-11.0% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.96%
+27.2% YoY
+1.0% QoQ
|
-0.89% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
15% |
| Efficiency Ratio ? |
75.38%
-16.0% YoY
+0.4% QoQ
|
+7.65% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
3.29%
+207.3% YoY
+536.3% QoQ
|
+2.65% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
76.00%
+8.1% YoY
+4.7% QoQ
|
+1.47% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
16.14%
+21.0% YoY
+0.2% QoQ
|
-6.25% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
2.14%
+247.1% YoY
+294.1% QoQ
|
+1.69% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
10.32%
-6.9% YoY
-5.2% QoQ
|
+1.46% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.90%
+134.6% YoY
+38.2% QoQ
|
+0.34% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.90%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.29%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.14%
(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
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
73
73th pctile
Total Deposits
Current: $260.7M · Tier avg: $183.7M
73
73th pctile
Total Loans
Current: $198.2M · Tier avg: $139.2M
73
73th pctile
Total Assets
Current: $303.9M · Tier avg: $217.5M
53
53th pctile
Tier 1 Capital Ratio
Current: 10.32% · Tier avg: 8.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.00% · Tier avg: 74.53%
28
28th pctile
Efficiency Ratio
Current: 75.38% · Tier avg: 67.73%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.14% · Tier avg: 22.39%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.14% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.29% · Tier avg: 0.64%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 3.29% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.14% · Tier avg: 0.45%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
21
21th pctile
Return on Assets
Current: 0.56% · Tier avg: 1.08%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.14% · Tier avg: 22.39%
28
28th pctile
Efficiency Ratio
Current: 75.38% · Tier avg: 67.73%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.00% · Tier avg: 74.53%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.32% · Tier avg: 8.85%
73
73th pctile
Total Assets
Current: $303.9M · Tier avg: $217.5M
73
73th pctile
Total Loans
Current: $198.2M · Tier avg: $139.2M
73
73th pctile
Total Deposits
Current: $260.7M · Tier avg: $183.7M
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%