BlastPoint's Banking Scorecard
The State Bank of Geneva
Micro
Specialty: Commercial
IL
FDIC cert 925
Designations: ✓ Community bank
Geneva, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The State Bank of Geneva shows strong momentum with 1 strength and 10.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.45% above 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 ? |
$122.2M
+10.2% YoY
+1.9% QoQ
|
-$95.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$77.4M
+11.3% YoY
+5.0% QoQ
|
-$61.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$106.0M
+10.3% YoY
+1.9% QoQ
|
-$77.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.64%
-36.9% YoY
+8.9% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.40%
-8.2% YoY
+1.4% QoQ
|
-0.45% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
85.05%
+8.2% YoY
-1.3% QoQ
|
+17.32% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
0.16%
+15.2% YoY
+22.1% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
72.96%
+0.9% YoY
+3.1% QoQ
|
-1.57% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
31.41%
-4.9% YoY
+3.5% QoQ
|
+9.02% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.53%
-5.1% YoY
+2.6% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
17.80%
-6.9% YoY
-4.0% QoQ
|
+8.95% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
1.01%
-16.7% YoY
+29.0% QoQ
|
+0.45% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.01%
(Tier avg: 0.56%, National avg: 0.65%)
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
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.41% · Tier avg: 22.39%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.80% · Tier avg: 8.85%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.96% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
32
32th pctile
Total Loans
Current: $77.4M · Tier avg: $139.2M
30
30th pctile
Total Deposits
Current: $106.0M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $122.2M · Tier avg: $217.5M
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
25
25th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.05% · Tier avg: 67.73%
Top Weaknesses
13
13th pctile
Efficiency Ratio
Current: 85.05% · Tier avg: 67.73%
25
25th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
30
30th pctile
Total Assets
Current: $122.2M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $106.0M · Tier avg: $183.7M
32
32th pctile
Total Loans
Current: $77.4M · Tier avg: $139.2M
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.96% · Tier avg: 74.53%
65
65th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
82
82th pctile
Tier 1 Capital Ratio
Current: 17.80% · Tier avg: 8.85%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.41% · Tier avg: 22.39%
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%