BlastPoint's Banking Scorecard
Bank of Belleville
Community
Specialty: Commercial
IL
FDIC cert 58114
Belleville, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Bank of Belleville shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$547.5M
+14.1% YoY
+2.6% QoQ
|
-$843.9M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$372.5M
+5.5% YoY
-0.1% QoQ
|
-$602.9M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$441.7M
+9.2% YoY
+0.5% QoQ
|
-$722.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.67%
+26.8% YoY
+12.9% QoQ
|
-0.49% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
18% |
| Net Interest Margin ? |
2.99%
+16.8% YoY
+2.7% QoQ
|
-0.67% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
67.04%
-12.2% YoY
-2.3% QoQ
|
+4.40% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? |
1.68%
+7.4% QoQ
|
+1.05% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
84.35%
-3.4% YoY
-0.6% QoQ
|
+1.28% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
18.73%
-12.5% YoY
-1.6% QoQ
|
-2.31% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.14%
+4.6% QoQ
|
+0.64% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.99%
+3.5% YoY
+6.1% QoQ
|
+0.75% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.21%
+13.2% YoY
+46.8% QoQ
|
-0.53% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
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
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.35% · Tier avg: 83.06%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.73% · Tier avg: 21.05%
37
37th pctile
Tier 1 Capital Ratio
Current: 10.99% · Tier avg: 10.24%
35
35th pctile
Efficiency Ratio
Current: 67.04% · Tier avg: 62.63%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.14% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.68% · Tier avg: 0.63%
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
11
11th pctile
Total Loans
Current: $372.5M · Tier avg: $975.5M
7
7th pctile
Total Assets
Current: $547.5M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $441.7M · Tier avg: $1.2B
Top Weaknesses
4
4th pctile
Total Deposits
Current: $441.7M · Tier avg: $1.2B
7
7th pctile
Total Assets
Current: $547.5M · Tier avg: $1.4B
11
11th pctile
Total Loans
Current: $372.5M · Tier avg: $975.5M
12
12th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.74%
13
13th pctile
Delinquency Rate
Current: 1.68% · Tier avg: 0.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.14% · Tier avg: 0.50%
17
17th pctile
Net Interest Margin
Current: 2.99% · Tier avg: 3.66%
18
18th pctile
Return on Assets
Current: 0.67% · Tier avg: 1.16%
35
35th pctile
Efficiency Ratio
Current: 67.04% · Tier avg: 62.63%
37
37th pctile
Tier 1 Capital Ratio
Current: 10.99% · Tier avg: 10.24%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.73% · Tier avg: 21.05%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.35% · Tier avg: 83.06%