BlastPoint's Banking Scorecard
The First Trust and Savings Bank of Watseka, Illinois
Watseka, IL
2 branches across IL
The First Trust and Savings Bank of Watseka, Illinois has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19.3% in tier
- + Efficiency Ratio 23.21% below tier average
- + ROA 0.42% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$333.4M
+6.2% YoY
+3.8% QoQ
|
-$52.7M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$157.2M
+2.5% YoY
-6.3% QoQ
|
-$98.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$282.3M
+6.5% YoY
+5.1% QoQ
|
-$45.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
1.69%
-4.5% YoY
-3.7% QoQ
|
+0.42% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
3.57%
+4.2% YoY
-0.5% QoQ
|
-0.36% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
42.08%
-0.8% YoY
-1.6% QoQ
|
-23.21% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Top 5.8% in tier |
| Delinquency Rate ? |
0.03%
-13.5% YoY
+4.5% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
55.69%
-3.7% YoY
-10.8% QoQ
|
-20.95% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 14.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.80%
-6.3% YoY
+5.9% QoQ
|
-11.22% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.2% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-16.5% YoY
-5.6% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
16.20%
+3.6% YoY
-0.4% QoQ
|
+0.37% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.08%
-9.3% YoY
-79.6% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
38% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.