BlastPoint's Banking Scorecard

Farmers State Bank & Trust Co.

$100M-$1B Specialty: Commercial IL FDIC cert 10458

Mount Sterling, IL

2 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

Farmers State Bank & Trust Co. has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.24% above tier average
+ Net Interest Margin 0.11% above tier average
+ Efficiency Ratio 16.41% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.10% above tier average

Get updates when Farmers State Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$131.0M +2.6% YoY -2.4% QoQ	-$255.1M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	Bottom 8.7% in tier
Total Loans ?	$87.9M -3.5% YoY -3.3% QoQ	-$167.9M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	Bottom 14.8% in tier
Total Deposits ?	$118.6M +1.9% YoY -2.8% QoQ	-$209.4M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	Bottom 11.4% in tier
Return on Assets ?	1.51% +12.5% YoY +15.3% QoQ	+0.24%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	4.04% +8.6% YoY +4.6% QoQ	+0.11%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	48.88% -2.5% YoY -8.5% QoQ	-16.41%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Top 14.2% in tier
Delinquency Rate ?	0.99% +50.0% QoQ	+0.10%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	28%
Loan-to-Deposit Ratio ?	74.07% -5.3% YoY -0.6% QoQ	-2.57%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	20.53% +19.3% YoY -3.3% QoQ	-1.49%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.66% +947.3% YoY +48.5% QoQ	+0.03%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	30%
Tier 1 Capital Ratio ?	13.03% +11.5% YoY +5.1% QoQ	-2.80%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	47%
Non-Interest Income / Assets ?	0.09% -1.6% YoY -75.7% QoQ	-0.19%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	45%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

378

Efficiency Ratio

profitability

Value: 48.88%

Peer Median: 65.29%

#378 of 2664 Top 14.2% in $100M-$1B

Top Weaknesses (3 metrics)

2432

Total Assets

size

Value: $130.98M

Peer Median: $386.08M

#2432 of 2664 Bottom 8.7% in $100M-$1B

2361

Total Deposits

size

Value: $118.61M

Peer Median: $327.97M

#2361 of 2664 Bottom 11.4% in $100M-$1B

2270

Total Loans

size

Value: $87.86M

Peer Median: $255.72M

#2270 of 2664 Bottom 14.8% in $100M-$1B