BlastPoint's Banking Scorecard
Bank of Stronghurst
Micro
Specialty: Agricultural
IL
FDIC cert 16413
Designations: ✓ Community bank
Stronghurst, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Bank of Stronghurst 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 1.08% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.8M
+1.7% YoY
+1.9% QoQ
|
-$131.7M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$41.9M
+10.7% YoY
+0.4% QoQ
|
-$97.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$75.5M
+2.7% YoY
+1.4% QoQ
|
-$108.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.38%
+231.2% YoY
-4.9% QoQ
|
-0.71% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.77%
+15.7% YoY
+2.1% QoQ
|
-1.08% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
81.60%
-16.1% YoY
-1.7% QoQ
|
+13.87% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
1.12%
-23.5% YoY
-34.4% QoQ
|
+0.48% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
55.55%
+7.8% YoY
-0.9% QoQ
|
-18.98% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
13.76%
+7.8% YoY
+12.5% QoQ
|
-8.63% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.62%
-6.1% YoY
-32.7% QoQ
|
+0.16% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.15%
+38.5% YoY
+36.7% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.77%
(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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.64%
20
20th pctile
Total Deposits
Current: $75.5M · Tier avg: $183.7M
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.76% · Tier avg: 22.39%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.55% · Tier avg: 74.53%
18
18th pctile
Efficiency Ratio
Current: 81.60% · Tier avg: 67.73%
18
18th pctile
Total Assets
Current: $85.8M · Tier avg: $217.5M
16
16th pctile
Total Loans
Current: $41.9M · Tier avg: $139.2M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
14
14th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
14
14th pctile
Return on Assets
Current: 0.38% · Tier avg: 1.08%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
16
16th pctile
Total Loans
Current: $41.9M · Tier avg: $139.2M
18
18th pctile
Total Assets
Current: $85.8M · Tier avg: $217.5M
18
18th pctile
Efficiency Ratio
Current: 81.60% · Tier avg: 67.73%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.55% · Tier avg: 74.53%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.76% · Tier avg: 22.39%
20
20th pctile
Total Deposits
Current: $75.5M · Tier avg: $183.7M
26
26th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%