BlastPoint's Banking Scorecard
Stillman BancCorp N.A.
Community
Specialty: Commercial
IL
FDIC cert 9263
Stillman Valley, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Stillman BancCorp N.A. has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 31.78% below tier
- + Tier 1 Capital Ratio 8.29% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$625.2M
+5.0% YoY
+2.4% QoQ
|
-$766.3M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$284.3M
+22.1% YoY
+8.7% QoQ
|
-$691.2M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$554.4M
+2.9% YoY
+3.4% QoQ
|
-$610.2M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.58%
+75.2% YoY
+3.3% QoQ
|
-0.58% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
2.47%
+22.3% YoY
+1.9% QoQ
|
-1.19% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
79.44%
-9.3% YoY
-0.1% QoQ
|
+16.80% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
0.61%
+16.4% QoQ
|
-0.02% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
51.28%
+18.6% YoY
+5.2% QoQ
|
-31.78% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.38%
+1.5% YoY
+6.8% QoQ
|
-3.67% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.28%
+23.6% QoQ
|
-0.22% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
18.54%
-13.0% YoY
-7.1% QoQ
|
+8.29% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.87%
-1.8% YoY
+31.4% QoQ
|
+0.13% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
51.28%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 10%
in Community
Why this stands out
Current:
18.54%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.47%
(Tier avg: 3.66%, National avg: 3.75%)
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
Loan-to-Deposit Ratio
Current: 51.28% · Tier avg: 83.06%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.54% · Tier avg: 10.24%
81
81th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.38% · Tier avg: 21.05%
22
22th pctile
Total Deposits
Current: $554.4M · Tier avg: $1.2B
17
17th pctile
Total Assets
Current: $625.2M · Tier avg: $1.4B
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
11
11th pctile
Efficiency Ratio
Current: 79.44% · Tier avg: 62.63%
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.66%
4
4th pctile
Total Loans
Current: $284.3M · Tier avg: $975.5M
Top Weaknesses
4
4th pctile
Total Loans
Current: $284.3M · Tier avg: $975.5M
6
6th pctile
Net Interest Margin
Current: 2.47% · Tier avg: 3.66%
11
11th pctile
Efficiency Ratio
Current: 79.44% · Tier avg: 62.63%
14
14th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.16%
17
17th pctile
Total Assets
Current: $625.2M · Tier avg: $1.4B
22
22th pctile
Total Deposits
Current: $554.4M · Tier avg: $1.2B
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.38% · Tier avg: 21.05%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.63%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.50%
81
81th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.74%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.54% · Tier avg: 10.24%
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.28% · Tier avg: 83.06%