BlastPoint's Banking Scorecard
Kinmundy Bank
Micro
Specialty: Other
IL
FDIC cert 3805
Designations: ✓ Community bank
Kinmundy, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Kinmundy Bank shows strong momentum with 2 strengths and 11.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.37% above tier
- + Efficiency Ratio 31.46% below 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 ? |
$73.6M
+11.5% YoY
+2.0% QoQ
|
-$143.9M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$48.8M
+7.6% YoY
+1.8% QoQ
|
-$90.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$63.2M
+13.0% YoY
+2.7% QoQ
|
-$120.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
2.46%
+34.6% YoY
-4.6% QoQ
|
+1.37% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.75%
+7.3% YoY
+1.1% QoQ
|
+0.90% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
36.27%
-16.9% YoY
+5.8% QoQ
|
-31.46% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.70%
-30.3% YoY
+66.4% QoQ
|
+0.06% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
77.27%
-4.7% YoY
-0.9% QoQ
|
+2.74% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
22.57%
-8.3% YoY
+0.6% QoQ
|
+0.18% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.59%
-38.7% YoY
+44.5% QoQ
|
+0.14% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
21.13%
+9.2% YoY
+1.4% QoQ
|
+12.28% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.70%
+14.2% YoY
+16.5% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.46%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
36.27%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Efficiency Ratio
Current: 36.27% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.46% · Tier avg: 1.08%
88
88th pctile
Tier 1 Capital Ratio
Current: 21.13% · Tier avg: 8.85%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.57% · Tier avg: 22.39%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.27% · Tier avg: 74.53%
37
37th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
15
15th pctile
Total Deposits
Current: $63.2M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $73.6M · Tier avg: $217.5M
Top Weaknesses
14
14th pctile
Total Assets
Current: $73.6M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $63.2M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
33
33th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.27% · Tier avg: 74.53%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.57% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
88
88th pctile
Tier 1 Capital Ratio
Current: 21.13% · Tier avg: 8.85%
96
96th pctile
Return on Assets
Current: 2.46% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 36.27% · Tier avg: 67.73%