BlastPoint's Banking Scorecard
State Bank of the Lakes, National Association
Community
Specialty: Commercial
IL
FDIC cert 5744
Antioch, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
State Bank of the Lakes, National Association has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.44% below tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+16.0% YoY
+4.7% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$1.9B
+11.9% YoY
+1.9% QoQ
|
+$885.5M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$2.1B
+16.3% YoY
+2.6% QoQ
|
+$911.2M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.47%
+2.7% YoY
-1.2% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
72% |
| Net Interest Margin ? |
3.39%
-5.8% YoY
-0.5% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
39.19%
-5.0% YoY
-2.9% QoQ
|
-23.44% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.14%
-58.6% YoY
+18.1% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
89.65%
-3.8% YoY
-0.7% QoQ
|
+6.59% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
13.08%
-18.0% YoY
-8.1% QoQ
|
-7.97% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.11%
-58.6% YoY
+13.4% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
11.38%
+3.2% YoY
+1.0% QoQ
|
+1.14% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.36%
+17.5% YoY
+49.1% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
39.19%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
NIB Deposit Bleed
decline
#40 of 89 · Bottom 44% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
13.08%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
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
96
96th pctile
Efficiency Ratio
Current: 39.19% · Tier avg: 62.63%
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
64
64th pctile
Loan-to-Deposit Ratio
Current: 89.65% · Tier avg: 83.06%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.38% · Tier avg: 10.24%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.08% · Tier avg: 21.05%
Top Weaknesses
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.08% · Tier avg: 21.05%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
36
36th pctile
Net Interest Margin
Current: 3.39% · Tier avg: 3.66%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.38% · Tier avg: 10.24%
64
64th pctile
Loan-to-Deposit Ratio
Current: 89.65% · Tier avg: 83.06%
72
72th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.16%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
78
78th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
87
87th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
96
96th pctile
Efficiency Ratio
Current: 39.19% · Tier avg: 62.63%