BlastPoint's Banking Scorecard
Servbank, National Association
Community
Specialty: Commercial
IL
FDIC cert 55130
Oswego, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Servbank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 1% in Community
- + Revenue Diversifier: Top 5% in Community
- + Return on Assets 2.76% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 77% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$995.1M
+21.8% YoY
-7.5% QoQ
|
-$396.4M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$535.9M
+105.4% YoY
+14.7% QoQ
|
-$439.6M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$637.7M
+39.7% YoY
-5.2% QoQ
|
-$527.0M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
3.92%
-43.9% YoY
-8.4% QoQ
|
+2.76% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.47%
-8.1% YoY
+0.6% QoQ
|
+1.81% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
66.14%
+16.4% YoY
+2.7% QoQ
|
+3.50% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.50%
-60.6% YoY
-39.2% QoQ
|
-0.13% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
84.04%
+47.0% YoY
+21.1% QoQ
|
+0.98% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
67.52%
-18.9% YoY
-8.1% QoQ
|
+46.47% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.28%
-31.1% YoY
-23.8% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
10.73%
-35.7% YoY
+36.1% QoQ
|
+9.99% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#2 of 150 · Top 1% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
67.52%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.47%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#20 of 371 · Top 5% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
10.73%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
3.92%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 1%
in Community
Why this stands out
Current:
3.92%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (1)
Cost Spiral
risk
#31 of 40 · Bottom 77% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
66.14%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
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
Return on Assets
Current: 3.92% · Tier avg: 1.16%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 67.52% · Tier avg: 21.05%
100
100th pctile
Non-Interest Income / Assets
Current: 10.73% · Tier avg: 0.74%
98
98th pctile
Net Interest Margin
Current: 5.47% · Tier avg: 3.66%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
53
53th pctile
Loan-to-Deposit Ratio
Current: 84.04% · Tier avg: 83.06%
49
49th pctile
Total Assets
Current: $995.1M · Tier avg: $1.4B
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
37
37th pctile
Efficiency Ratio
Current: 66.14% · Tier avg: 62.63%
35
35th pctile
Total Loans
Current: $535.9M · Tier avg: $975.5M
32
32th pctile
Total Deposits
Current: $637.7M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Deposits
Current: $637.7M · Tier avg: $1.2B
35
35th pctile
Total Loans
Current: $535.9M · Tier avg: $975.5M
37
37th pctile
Efficiency Ratio
Current: 66.14% · Tier avg: 62.63%
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
49
49th pctile
Total Assets
Current: $995.1M · Tier avg: $1.4B
53
53th pctile
Loan-to-Deposit Ratio
Current: 84.04% · Tier avg: 83.06%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
98
98th pctile
Net Interest Margin
Current: 5.47% · Tier avg: 3.66%
100
100th pctile
Non-Interest Income / Assets
Current: 10.73% · Tier avg: 0.74%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 67.52% · Tier avg: 21.05%
100
100th pctile
Return on Assets
Current: 3.92% · Tier avg: 1.16%