BlastPoint's Banking Scorecard

The First Trust and Savings Bank of Watseka, Illinois

$100M-$1B Specialty: Agricultural IL FDIC cert 10831

Watseka, IL

2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +7.1% year over year ($285.9M on the books).
Delinquency rate 0.03%.
Return on assets 1.80%.
Efficiency ratio 41.58% vs a 64.48% peer average.
Loan-to-deposit ratio 53.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

The First Trust and Savings Bank of Watseka, Illinois has 3 strengths but faces 2 concerns

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

+ Credit Quality Leader: Top 18.5% in tier
+ Efficiency Ratio 22.90% below tier average
+ ROA 0.48% above tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 12.33% below tier average
- Net Interest Margin 0.41% below tier average

Get updates when The First Trust and Savings Bank of Watseka, Illinois releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$337.1M +6.9% YoY +1.1% QoQ	-$49.4M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$152.1M -4.3% YoY -3.2% QoQ	-$106.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$285.9M +7.1% YoY +1.3% QoQ	-$40.9M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	1.80% +2.4% YoY +6.5% QoQ	+0.48%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	3.58% +2.9% YoY +0.1% QoQ	-0.41%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	41.58% -1.4% YoY -1.2% QoQ	-22.90%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Top 5.4% in tier
Delinquency Rate ?	0.03% -9.6% YoY -1.1% QoQ	-0.89%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	53.21% -10.7% YoY -4.5% QoQ	-24.74%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 11.0% in tier
Non-Interest-Bearing Deposit Share ?	9.70% -2.9% YoY -10.2% QoQ	-12.33%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Bottom 10.0% in tier
Nonperforming Asset Ratio ?	0.01% -19.0% YoY -5.3% QoQ	-0.66%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Top 14.5% in tier
Tier 1 Capital Ratio ?	16.10% -1.9% YoY -0.6% QoQ	+0.19%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.16% -9.7% YoY +107.1% QoQ	-0.40%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	39%

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	9.7% -0.3pp YoY -1.1pp QoQ	-12.4pp	22.1%	20.1%	22.2%	10%
Brokered Deposits	n/a	n/a	7.9%	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	13.5% +1.4pp YoY -0.1pp QoQ	+1.9pp	11.6%	14.7%	12.5%	70%
CRE	12.0% +0.9pp QoQ	-27.5pp	39.5%	37.9%	41.4%	7%
1-4 Family	18.3% +1.4pp YoY +0.2pp QoQ	-14.3pp	32.6%	28.3%	31.3%	26%
Consumer	2.0% 0.0pp YoY +0.1pp QoQ	-2.1pp	4.1%	5.4%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	19.9%	19.7%	n/a
Leverage Ratio	16.1% -0.3pp YoY -0.1pp QoQ	+3.9pp	12.2%	12.2%	12.6%	90%
Total Capital Ratio	n/a	n/a	19.9%	20.9%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	33 +1 (+3.1%) YoY 0 QoQ	-26	58	228	482	31%
Assets per Employee ($)	$10.2M +3.6% YoY +1.1% QoQ	+$2.7M	$7.5M	$8.3M	$8.8M	87%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.1%	1.0%	8%
Allowance Coverage	37.73x +9.8% YoY +1.6% QoQ	+13.58x	24.15x	5.62x	20.23x	93%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	45%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	11.9% 0.0pp YoY +0.8pp QoQ	-0.3pp	12.2%	10.5%	11.6%	49%
Cost of Funds (YTD)	1.3% 0.0pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	22%
Net Income ($, YTD)	$3.0M +6.6% YoY — QoQ	+$419K	$2.6M	$11.7M	$40.4M	69%

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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 (1)

Credit Quality Leader

growth

#123 of 659 • Top 18.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.03%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

143

Efficiency Ratio

profitability

Value: 41.58%

Peer Median: 64.48%

#143 of 2643 Top 5.4% in $100M-$1B

291

Loan-to-Deposit Ratio

liquidity

Value: 53.21%

Peer Median: 77.95%

#291 of 2643 Top 11.0% in $100M-$1B

384

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#384 of 2643 Top 14.5% in $100M-$1B

463

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#463 of 2633 Top 17.5% in $100M-$1B

529

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.32%

#529 of 2643 Top 20.0% in $100M-$1B

Top Weaknesses (1 metrics)

2380

Non-Interest-Bearing Deposit Share

funding

Value: 9.70%

Peer Median: 22.03%

#2380 of 2643 Bottom 10.0% in $100M-$1B