BlastPoint's Banking Scorecard
First State Bank of Olmsted
Designations: ✓ Community bank
Olmsted, IL
3 branches across IL
First State Bank of Olmsted has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.38% above tier average
- + Efficiency Ratio 29.20% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.19% below tier average
- - Delinquency Rate 0.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.5M
+3.4% YoY
-0.0% QoQ
|
+$15.4M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$50.2M
+18.9% YoY
+4.6% QoQ
|
+$16.0M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$67.6M
+1.9% YoY
-0.4% QoQ
|
+$15.8M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
1.22%
+21.1% YoY
+7.7% QoQ
|
+0.38% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.67%
+10.9% YoY
+3.0% QoQ
|
-0.19% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
41% |
| Efficiency Ratio ? |
59.15%
-6.7% YoY
-2.3% QoQ
|
-29.20% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
2.21%
+86.7% YoY
+92.9% QoQ
|
+0.84% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
74.30%
+16.7% YoY
+5.0% QoQ
|
+10.09% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
18.70%
-5.4% YoY
-0.6% QoQ
|
-5.02% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
1.43%
+114.7% YoY
+101.9% QoQ
|
+0.65% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
12.30%
-40.3% YoY
+2.5% QoQ
|
-14.38% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.09%
+18.2% YoY
-70.1% QoQ
|
-0.58% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
64% |
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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)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.