BlastPoint's Banking Scorecard
State Bank of Whittington
Micro
Specialty: Commercial
IL
FDIC cert 19689
Designations: ✓ Community bank
Benton, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
State Bank of Whittington demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.69% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.4M
+0.8% YoY
+0.6% QoQ
|
-$40.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$118.4M
+6.6% YoY
+4.9% QoQ
|
-$20.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$158.1M
+1.5% YoY
-0.0% QoQ
|
-$25.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.14%
-1.1% YoY
+42.0% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.44%
+3.5% YoY
+2.0% QoQ
|
+0.59% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
67.58%
-3.4% YoY
-0.4% QoQ
|
-0.14% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
1.97%
+643.7% YoY
-21.7% QoQ
|
+1.33% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
74.91%
+5.1% YoY
+5.0% QoQ
|
+0.38% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
40.08%
-1.0% YoY
+5.1% QoQ
|
+17.69% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
1.32%
+659.1% YoY
-18.2% QoQ
|
+0.87% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
15.38%
+1.1% QoQ
|
+6.53% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.71%
-20.1% YoY
+32.5% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.08%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.08% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
78
78th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.38% · Tier avg: 8.85%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.91% · Tier avg: 74.53%
50
50th pctile
Total Loans
Current: $118.4M · Tier avg: $139.2M
48
48th pctile
Total Deposits
Current: $158.1M · Tier avg: $183.7M
46
46th pctile
Efficiency Ratio
Current: 67.58% · Tier avg: 67.73%
45
45th pctile
Total Assets
Current: $177.4M · Tier avg: $217.5M
14
14th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.64%
Top Weaknesses
13
13th pctile
Delinquency Rate
Current: 1.97% · Tier avg: 0.64%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.32% · Tier avg: 0.45%
45
45th pctile
Total Assets
Current: $177.4M · Tier avg: $217.5M
46
46th pctile
Efficiency Ratio
Current: 67.58% · Tier avg: 67.73%
48
48th pctile
Total Deposits
Current: $158.1M · Tier avg: $183.7M
50
50th pctile
Total Loans
Current: $118.4M · Tier avg: $139.2M
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.91% · Tier avg: 74.53%
55
55th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.08%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.38% · Tier avg: 8.85%
78
78th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.08% · Tier avg: 22.39%