BlastPoint's Banking Scorecard
Princeville State Bank
Micro
Specialty: Commercial
IL
FDIC cert 16900
Designations: ✓ Community bank
Princeville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Princeville State 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
- - Delinquency Rate 3.11% above tier
- - Nonperforming Asset Ratio 1.56% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$121.0M
+10.1% YoY
+4.9% QoQ
|
-$96.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$62.3M
+6.6% YoY
+4.3% QoQ
|
-$76.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$99.2M
-3.9% YoY
+6.3% QoQ
|
-$84.4M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
1.53%
+828.4% YoY
+103.9% QoQ
|
+0.45% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.42%
+59.3% YoY
-5.5% QoQ
|
+0.57% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
54.63%
-47.9% YoY
+6.8% QoQ
|
-13.09% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
3.75%
+457.7% YoY
-2.9% QoQ
|
+3.11% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
62.78%
+10.9% YoY
-1.9% QoQ
|
-11.75% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
18.27%
-7.9% YoY
+4.4% QoQ
|
-4.12% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
2.01%
+353.9% YoY
-3.5% QoQ
|
+1.56% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| 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 ? |
0.82%
-3.9% YoY
+27.6% QoQ
|
+0.26% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.75%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.01%
(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
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%
82
82th pctile
Efficiency Ratio
Current: 54.63% · Tier avg: 67.73%
77
77th pctile
Net Interest Margin
Current: 4.42% · Tier avg: 3.85%
76
76th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.08%
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.78% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.27% · Tier avg: 22.39%
29
29th pctile
Total Assets
Current: $121.0M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $99.2M · Tier avg: $183.7M
26
26th pctile
Total Loans
Current: $62.3M · Tier avg: $139.2M
7
7th pctile
Nonperforming Asset Ratio
Current: 2.01% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.75% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.75% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.01% · Tier avg: 0.45%
26
26th pctile
Total Loans
Current: $62.3M · Tier avg: $139.2M
28
28th pctile
Total Deposits
Current: $99.2M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $121.0M · Tier avg: $217.5M
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.27% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.78% · Tier avg: 74.53%
76
76th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.08%
77
77th pctile
Net Interest Margin
Current: 4.42% · Tier avg: 3.85%
82
82th pctile
Efficiency Ratio
Current: 54.63% · Tier avg: 67.73%
88
88th pctile
Non-Interest Income / Assets
Current: 0.82% · Tier avg: 0.56%