BlastPoint's Banking Scorecard
Apple River State Bank
Community
Specialty: Agricultural
IL
FDIC cert 17453
Apple River, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Apple River 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
- - Credit Risk Growth: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$638.6M
+3.5% YoY
+0.1% QoQ
|
-$752.9M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$387.2M
+7.4% YoY
+2.0% QoQ
|
-$588.3M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$520.9M
+3.6% YoY
+0.9% QoQ
|
-$643.7M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.33%
+43.3% YoY
+1.3% QoQ
|
+0.17% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.04%
+16.8% YoY
+1.8% QoQ
|
-0.63% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
56.98%
-13.0% YoY
+0.4% QoQ
|
-5.65% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.23%
+339.4% QoQ
|
-0.39% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
74.33%
+3.7% YoY
+1.0% QoQ
|
-8.73% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
12.96%
-7.5% YoY
-13.7% QoQ
|
-8.09% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.14%
+187.6% YoY
+105.8% QoQ
|
-0.36% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
14.20%
+3.3% YoY
-0.2% QoQ
|
+3.96% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.52%
+8.5% YoY
+38.2% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#268 of 642 · Bottom 42% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.33% · Tier avg: 83.06%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.20% · Tier avg: 10.24%
67
67th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
67
67th pctile
Efficiency Ratio
Current: 56.98% · Tier avg: 62.63%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
20
20th pctile
Total Assets
Current: $638.6M · Tier avg: $1.4B
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.96% · Tier avg: 21.05%
16
16th pctile
Total Deposits
Current: $520.9M · Tier avg: $1.2B
13
13th pctile
Total Loans
Current: $387.2M · Tier avg: $975.5M
Top Weaknesses
13
13th pctile
Total Loans
Current: $387.2M · Tier avg: $975.5M
16
16th pctile
Total Deposits
Current: $520.9M · Tier avg: $1.2B
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.96% · Tier avg: 21.05%
19
19th pctile
Net Interest Margin
Current: 3.04% · Tier avg: 3.66%
20
20th pctile
Total Assets
Current: $638.6M · Tier avg: $1.4B
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
65
65th pctile
Return on Assets
Current: 1.33% · Tier avg: 1.16%
67
67th pctile
Efficiency Ratio
Current: 56.98% · Tier avg: 62.63%
67
67th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.20% · Tier avg: 10.24%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.33% · Tier avg: 83.06%