BlastPoint's Banking Scorecard
Southern Illinois Bank
Micro
Specialty: Commercial
IL
FDIC cert 35229
Designations: ✓ Community bank
Johnston City, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Southern Illinois 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 4.11% above tier
- - Nonperforming Asset Ratio 2.72% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.9M
-12.4% YoY
-6.9% QoQ
|
-$79.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$80.5M
-14.6% YoY
-5.2% QoQ
|
-$58.7M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$115.9M
-5.6% YoY
-4.3% QoQ
|
-$67.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.06%
-0.0% YoY
+4.4% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
3.67%
+1.2% YoY
+1.3% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
65.65%
+2.0% YoY
+2.7% QoQ
|
-2.08% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
4.75%
+425.9% YoY
+5.3% QoQ
|
+4.11% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
69.46%
-9.5% YoY
-0.9% QoQ
|
-5.07% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
28.55%
+13.2% YoY
+2.3% QoQ
|
+6.16% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
3.17%
+438.2% YoY
+7.2% QoQ
|
+2.72% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 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 ? |
0.59%
+13.4% YoY
+41.8% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.75%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.17%
(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
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.55% · Tier avg: 22.39%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.46% · Tier avg: 74.53%
51
51th pctile
Efficiency Ratio
Current: 65.65% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
34
34th pctile
Total Deposits
Current: $115.9M · Tier avg: $183.7M
34
34th pctile
Total Loans
Current: $80.5M · Tier avg: $139.2M
34
34th pctile
Total Assets
Current: $137.9M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 4.75% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.17% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.17% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.75% · Tier avg: 0.64%
34
34th pctile
Total Assets
Current: $137.9M · Tier avg: $217.5M
34
34th pctile
Total Loans
Current: $80.5M · Tier avg: $139.2M
34
34th pctile
Total Deposits
Current: $115.9M · Tier avg: $183.7M
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.65% · Tier avg: 67.73%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.46% · Tier avg: 74.53%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.55% · Tier avg: 22.39%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%