BlastPoint's Banking Scorecard

Farmers & Merchants Bank of Hutsonville

under $100M Specialty: Other IL FDIC cert 10469

Designations: ✓ Community bank

Hutsonville, IL

537 banks in the under $100M peer group nationally 61 in IL

Farmers & Merchants Bank of Hutsonville 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

+ Efficiency Ratio 45.48% below tier average
+ ROA 1.11% above tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.27% below tier average

Get updates when Farmers & Merchants Bank of Hutsonville releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$53.1M +6.1% YoY +1.4% QoQ	-$9.2M	$62.3M -0.5% YoY	$2.3B +4.2% YoY	$6.2B +9.0% YoY	34%
Total Loans ?	$36.0M -0.1% YoY +0.9% QoQ	+$1.8M	$34.3M -1.5% YoY	$1.2B +5.0% YoY	$3.2B +10.7% YoY	57%
Total Deposits ?	$43.5M +6.5% YoY +1.0% QoQ	-$8.3M	$51.8M -0.6% YoY	$1.9B +3.6% YoY	$4.8B +8.0% YoY	34%
Return on Assets ?	1.96% +18.5% YoY +51.9% QoQ	+1.11%	0.86% -3.6% YoY	1.04% +2.4% YoY	1.24% +13.1% YoY	Top 10.4% in tier
Net Interest Margin ?	3.60% +8.0% YoY -1.0% QoQ	-0.27%	3.87% +2.7% YoY	3.61% +7.3% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	42.15% -14.0% YoY -32.9% QoQ	-45.48%	87.63% +2.3% YoY	63.68% -7.1% YoY	66.84% -3.8% YoY	Top 4.1% in tier
Delinquency Rate ?	0.88% +240.4% QoQ	-0.48%	1.36% +33.7% YoY	1.15% +15.2% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	82.83% -6.3% YoY -0.1% QoQ	+18.72%	64.11% -0.9% YoY	71.92% +0.7% YoY	76.69% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	14.16% +24.3% YoY +7.6% QoQ	-9.63%	23.79% +0.5% YoY	20.45% -1.0% YoY	22.01% -1.1% YoY	21%
Nonperforming Asset Ratio ?	0.59% +238.8% QoQ	-0.18%	0.77% +28.7% YoY	0.78% +18.6% YoY	0.66% +19.3% YoY	35%
Tier 1 Capital Ratio ?	17.99% -1.3% YoY +2.5% QoQ	-8.79%	26.77% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.04% +20.4% YoY -75.9% QoQ	-0.63%	0.67% +1.6% YoY	0.34% +6.6% YoY	0.32% +4.0% YoY	36%

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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 537 peers in under $100M

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 42.15%

Peer Median: 87.63%

#23 of 537 Top 4.1% in under $100M

Return on Assets

profitability

Value: 1.96%

Peer Median: 0.86%

#57 of 537 Top 10.4% in under $100M

Top Weaknesses (2 metrics)

424

Non-Interest-Bearing Deposit Share

funding

Value: 14.16%

Peer Median: 23.79%

#424 of 537 Bottom 21.2% in under $100M

415

Loan-to-Deposit Ratio

liquidity

Value: 82.83%

Peer Median: 64.11%

#415 of 537 Bottom 22.9% in under $100M