BlastPoint's Banking Scorecard
Central State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 8487
Designations: ✓ Community bank
Clayton, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Central State 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 3.88% above tier
- - Nonperforming Asset Ratio 2.76% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.2M
+1.1% YoY
+0.7% QoQ
|
-$40.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$118.7M
-11.1% YoY
-4.7% QoQ
|
-$20.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$147.0M
+0.4% YoY
+0.5% QoQ
|
-$36.7M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.42%
-27.2% YoY
+17.2% QoQ
|
+0.34% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.07%
-3.9% YoY
+0.0% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
55.13%
+2.5% YoY
+0.4% QoQ
|
-12.59% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
4.52%
+13.1% YoY
-1.0% QoQ
|
+3.88% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
80.77%
-11.5% YoY
-5.2% QoQ
|
+6.24% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
14.32%
-49.9% YoY
+4.1% QoQ
|
-8.07% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
3.21%
-2.7% YoY
-7.5% QoQ
|
+2.76% |
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 ? |
0.67%
-4.6% YoY
+34.9% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.52%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.21%
(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
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
81
81th pctile
Efficiency Ratio
Current: 55.13% · Tier avg: 67.73%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
61
61th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Loans
Current: $118.7M · Tier avg: $139.2M
45
45th pctile
Total Assets
Current: $177.2M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $147.0M · Tier avg: $183.7M
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.77% · Tier avg: 74.53%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.32% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 4.52% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.21% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.21% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.52% · Tier avg: 0.64%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.32% · Tier avg: 22.39%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.77% · Tier avg: 74.53%
45
45th pctile
Total Deposits
Current: $147.0M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $177.2M · Tier avg: $217.5M
50
50th pctile
Total Loans
Current: $118.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 55.13% · Tier avg: 67.73%
81
81th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%