BlastPoint's Banking Scorecard
Milledgeville State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 15873
Designations: ✓ Community bank
Milledgeville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Milledgeville 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 1.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.1M
+10.4% YoY
+3.8% QoQ
|
-$6.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$135.0M
+16.2% YoY
+6.1% QoQ
|
-$4.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$163.8M
+9.1% YoY
+2.3% QoQ
|
-$19.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.06%
+20.4% YoY
-0.0% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
2.76%
+5.9% YoY
+2.6% QoQ
|
-1.09% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
54.75%
-5.5% YoY
-1.5% QoQ
|
-12.98% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.28%
-81.7% YoY
-5.8% QoQ
|
-0.36% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
82.40%
+6.5% YoY
+3.7% QoQ
|
+7.87% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
9.64%
-30.8% YoY
+12.4% QoQ
|
-12.76% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-80.8% YoY
-3.6% QoQ
|
-0.27% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
14.24%
-8.3% YoY
-1.6% QoQ
|
+5.39% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.16%
-8.1% YoY
+36.6% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.76%
(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
82
82th pctile
Efficiency Ratio
Current: 54.75% · Tier avg: 67.73%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.24% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.40% · Tier avg: 74.53%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
55
55th pctile
Total Loans
Current: $135.0M · Tier avg: $139.2M
54
54th pctile
Total Assets
Current: $211.1M · Tier avg: $217.5M
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
49
49th pctile
Total Deposits
Current: $163.8M · Tier avg: $183.7M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.64% · Tier avg: 22.39%
10
10th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.64% · Tier avg: 22.39%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
49
49th pctile
Total Deposits
Current: $163.8M · Tier avg: $183.7M
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
54
54th pctile
Total Assets
Current: $211.1M · Tier avg: $217.5M
55
55th pctile
Total Loans
Current: $135.0M · Tier avg: $139.2M
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
62
62th pctile
Loan-to-Deposit Ratio
Current: 82.40% · Tier avg: 74.53%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.24% · Tier avg: 8.85%
82
82th pctile
Efficiency Ratio
Current: 54.75% · Tier avg: 67.73%