BlastPoint's Banking Scorecard
Farmers State Bank of Alto Pass, Ill.
Alto Pass, IL
5 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 -3.3% year over year ($307.2M on the books).
- Delinquency rate 2.55%.
- Return on assets 2.17%.
- Efficiency ratio 65.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.87% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Alto Pass, Ill. has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 6.2% in tier
- + Profitability Leader: Top 9.2% in tier
- + Net Interest Margin 1.86% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.7% in tier
- - Capital Constraint: Bottom 46.7% in tier
- - Delinquency Rate 1.63% above tier average
- - Nonperforming Asset Ratio 1.52% above tier average
- - Efficiency Ratio 0.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$342.4M
-2.2% YoY
-4.0% QoQ
|
-$44.2M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$288.4M
-1.6% YoY
-3.2% QoQ
|
+$30.0M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$307.2M
-3.3% YoY
-4.8% QoQ
|
-$19.5M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
2.17%
+46.8% YoY
-6.0% QoQ
|
+0.85% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Top 9.4% in tier |
| Net Interest Margin ? |
5.84%
+1.8% YoY
+0.1% QoQ
|
+1.86% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
Top 1.8% in tier |
| Efficiency Ratio ? |
65.33%
-12.1% YoY
-4.3% QoQ
|
+0.85% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
2.55%
+84.6% YoY
+103.1% QoQ
|
+1.63% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.4% in tier |
| Loan-to-Deposit Ratio ? |
93.87%
+1.7% YoY
+1.7% QoQ
|
+15.92% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
20.09%
+7.2% YoY
+0.2% QoQ
|
-1.94% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
2.19%
+89.6% YoY
+109.3% QoQ
|
+1.52% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.1% in tier |
| Tier 1 Capital Ratio ? |
12.25%
+14.4% YoY
+0.6% QoQ
|
-3.66% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.96%
+175.2% YoY
+234.4% QoQ
|
+0.39% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Top 3.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.1%
+1.4pp YoY 0.0pp QoQ |
-2.1pp | 22.1% | 20.1% | 22.2% | 45% |
| 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 |
21.9%
-3.7pp YoY +0.7pp QoQ |
+10.3pp | 11.6% | 14.7% | 12.5% | 91% |
| CRE |
40.6%
+1.4pp YoY -3.2pp QoQ |
+1.0pp | 39.5% | 37.9% | 41.4% | 54% |
| 1-4 Family |
33.7%
+1.8pp YoY +2.3pp QoQ |
+1.1pp | 32.6% | 28.3% | 31.3% | 59% |
| Consumer |
1.4%
+0.3pp YoY +0.2pp QoQ |
-2.7pp | 4.1% | 5.4% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
+1.5pp YoY +0.1pp QoQ |
-6.6pp | 18.8% | 19.9% | 19.7% | 19% |
| Leverage Ratio |
9.5%
+1.0pp YoY +0.1pp QoQ |
-2.7pp | 12.2% | 12.2% | 12.6% | 21% |
| Total Capital Ratio |
13.4%
+1.6pp YoY +0.1pp QoQ |
-6.6pp | 19.9% | 20.9% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
71
0 YoY -1 (-1.4%) QoQ |
+12 | 58 | 228 | 482 | 72% |
| Assets per Employee ($) |
$4.8M
-2.2% YoY -2.7% QoQ |
-$2.7M | $7.5M | $8.3M | $8.8M | 12% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 41% |
| Nonaccrual |
2.5%
+1.3pp YoY +1.3pp QoQ |
+1.6pp | 0.9% | 1.1% | 1.0% | 91% |
| Allowance Coverage |
0.41x
-44.2% YoY -48.2% QoQ |
-23.74x | 24.15x | 5.62x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
0.4%
+0.4pp YoY +0.4pp QoQ |
+0.3pp | 0.1% | 0.1% | 0.2% | 93% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.1%
+5.7pp YoY -2.1pp QoQ |
+10.9pp | 12.2% | 10.5% | 11.6% | 94% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 25% |
| Net Income ($, YTD) |
$3.8M
+44.6% YoY — QoQ |
+$1.3M | $2.6M | $11.7M | $40.4M | 79% |
Get Full Access to Farmers State Bank of Alto Pass, Ill.
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.