BlastPoint's Banking Scorecard
Marseilles Bank
Micro
Specialty: Other
IL
FDIC cert 16318
Designations: ✓ Community bank
Marseilles, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Marseilles Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.88% below tier
- - Net Interest Margin 1.80% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.9M
+0.3% YoY
-0.5% QoQ
|
-$141.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$36.5M
+11.1% YoY
+5.7% QoQ
|
-$102.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$66.5M
+3.6% YoY
+0.4% QoQ
|
-$117.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.21%
+421.0% YoY
+55.1% QoQ
|
-0.88% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.05%
+22.8% YoY
+5.0% QoQ
|
-1.80% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
88.48%
-12.2% YoY
-4.3% QoQ
|
+20.76% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.91%
+16.8% YoY
-12.7% QoQ
|
+0.27% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
54.86%
+7.3% YoY
+5.3% QoQ
|
-19.66% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
23.33%
-0.8% YoY
+7.4% QoQ
|
+0.94% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.44%
+29.4% YoY
-7.3% QoQ
|
-0.02% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
16.68%
+1.0% YoY
-1.4% QoQ
|
+7.83% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.23%
-11.0% YoY
+34.0% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.21%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.05%
(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
Loan-to-Deposit Ratio
Current: 54.86% · Tier avg: 74.53%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.68% · Tier avg: 8.85%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.33% · Tier avg: 22.39%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
16
16th pctile
Total Deposits
Current: $66.5M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $75.9M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $36.5M · Tier avg: $139.2M
10
10th pctile
Efficiency Ratio
Current: 88.48% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.08%
2
2th pctile
Net Interest Margin
Current: 2.05% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.05% · Tier avg: 3.85%
10
10th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.48% · Tier avg: 67.73%
14
14th pctile
Total Loans
Current: $36.5M · Tier avg: $139.2M
14
14th pctile
Total Assets
Current: $75.9M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $66.5M · Tier avg: $183.7M
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
31
31th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.64%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.33% · Tier avg: 22.39%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.68% · Tier avg: 8.85%
82
82th pctile
Loan-to-Deposit Ratio
Current: 54.86% · Tier avg: 74.53%