BlastPoint's Banking Scorecard
Farmers State Bank of Emden
Designations: ✓ Community bank
Emden, IL
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits -3.1% year over year ($26.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.18%.
- Efficiency ratio 55.05% vs a 119.40% peer average.
- Loan-to-deposit ratio 46.91% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Emden has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.18% above tier average
- + Efficiency Ratio 64.34% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.36% below tier average
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$37.8M
-1.3% YoY
-1.4% QoQ
|
-$24.7M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$12.4M
+5.5% YoY
-7.4% QoQ
|
-$22.5M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.6% in tier |
| Total Deposits ? |
$26.4M
-3.1% YoY
-2.1% QoQ
|
-$25.3M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.18%
-13.7% YoY
-18.4% QoQ
|
+0.18% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.60%
+3.6% YoY
-2.3% QoQ
|
-0.31% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
55.05%
+10.9% YoY
+9.5% QoQ
|
-64.34% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
46.91%
+8.8% YoY
-5.3% QoQ
|
-27.30% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
15.60%
-15.6% YoY
-31.6% QoQ
|
-7.89% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
57.40%
+1.0% YoY
+8.3% QoQ
|
+30.27% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
Top 7.5% in tier |
| Non-Interest Income / Assets ? |
0.02%
-76.4% YoY
+136.7% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.2% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.6%
-2.9pp YoY -7.2pp QoQ |
-9.0pp | 24.6% | 20.1% | 22.2% | 21% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.0%
+0.8pp YoY +0.4pp QoQ |
-4.4pp | 13.4% | 14.7% | 12.5% | 47% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 28.3% | 31.3% | n/a |
| Consumer |
3.9%
-0.2pp YoY 0.0pp QoQ |
-3.8pp | 7.7% | 5.4% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
57.4%
+0.6pp YoY +4.4pp QoQ |
+18.7pp | 38.7% | 19.9% | 19.7% | 87% |
| Leverage Ratio |
29.6%
+0.7pp YoY +0.7pp QoQ |
+11.9pp | 17.7% | 12.2% | 12.6% | 94% |
| Total Capital Ratio |
58.0%
+0.7pp YoY +4.6pp QoQ |
+18.3pp | 39.7% | 20.9% | 20.8% | 87% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
+1 (+16.7%) YoY 0 QoQ |
-5 | 12 | 228 | 482 | 20% |
| Assets per Employee ($) |
$5.4M
-15.4% YoY -1.4% QoQ |
-$792K | $6.2M | $8.3M | $8.8M | 42% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.1% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 5.62x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.2% | 0.1% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.0%
-0.8pp YoY -0.9pp QoQ |
-2.4pp | 6.4% | 10.5% | 11.6% | 28% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.4% | 1.6% | 1.7% | 9% |
| Net Income ($, YTD) |
$222,000
-14.3% YoY — QoQ |
-$96K | $317,817 | $11.7M | $40.4M | 40% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.