BlastPoint's Banking Scorecard
Community Bank of Easton
Micro
Specialty: Agricultural
IL
FDIC cert 18568
Designations: ✓ Community bank
Easton, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Community Bank of Easton has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 30.60% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.20% below tier
- - Net Interest Margin 2.53% below tier
- - Non-Interest Income / Assets 0.53% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.7M
+10.8% YoY
+11.8% QoQ
|
-$172.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$15.8M
-9.3% YoY
+14.1% QoQ
|
-$123.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$36.0M
+21.4% YoY
+14.6% QoQ
|
-$147.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
-0.11%
-104.9% YoY
+64.8% QoQ
|
-1.20% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
1.32%
-72.2% YoY
+235.3% QoQ
|
-2.53% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
73.68%
+161.8% YoY
+29.8% QoQ
|
+5.96% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
43.93%
-25.3% YoY
-0.4% QoQ
|
-30.60% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.06%
+33.9% YoY
+50.2% QoQ
|
-4.33% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% 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 ? |
0.03%
-73.1% YoY
+213.0% QoQ
|
-0.53% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.93%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.11%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.32%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.93% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.06% · Tier avg: 22.39%
32
32th pctile
Efficiency Ratio
Current: 73.68% · Tier avg: 67.73%
6
6th pctile
Total Assets
Current: $44.7M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $36.0M · Tier avg: $183.7M
5
5th pctile
Return on Assets
Current: -0.11% · Tier avg: 1.08%
5
5th pctile
Total Loans
Current: $15.8M · Tier avg: $139.2M
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
1
1th pctile
Net Interest Margin
Current: 1.32% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.32% · Tier avg: 3.85%
2
2th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
5
5th pctile
Total Loans
Current: $15.8M · Tier avg: $139.2M
5
5th pctile
Return on Assets
Current: -0.11% · Tier avg: 1.08%
6
6th pctile
Total Deposits
Current: $36.0M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $44.7M · Tier avg: $217.5M
32
32th pctile
Efficiency Ratio
Current: 73.68% · Tier avg: 67.73%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.06% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.93% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%