BlastPoint's Banking Scorecard

Farmers State Bank of Alto Pass, Ill.

$100M-$1B Specialty: Commercial IL FDIC cert 11299

Alto Pass, IL

5 branches across IL

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

Farmers State Bank of Alto Pass, Ill. has 3 strengths but faces 4 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

+ Profitability Leader: Top 7.7% in tier
+ Revenue Diversifier: Top 14.7% in tier
+ Net Interest Margin 1.91% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 5.8% in tier
- Capital Constraint: Bottom 38.0% in tier
- Efficiency Ratio 2.95% above tier average
- Delinquency Rate 0.37% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$356.7M -2.6% YoY +0.5% QoQ	-$29.3M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$297.8M -2.0% YoY +0.0% QoQ	+$42.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	68%
Total Deposits ?	$322.7M -3.6% YoY +0.2% QoQ	-$5.3M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	2.31% +91.1% YoY +43.0% QoQ	+1.04%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Top 7.0% in tier
Net Interest Margin ?	5.84% +4.1% YoY -0.5% QoQ	+1.91%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	Top 1.8% in tier
Efficiency Ratio ?	68.24% -12.1% YoY -4.8% QoQ	+2.95%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	1.26% -17.9% YoY -21.0% QoQ	+0.37%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	23%
Loan-to-Deposit Ratio ?	92.31% +1.7% YoY -0.2% QoQ	+15.67%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	20.04% +14.0% YoY -0.2% QoQ	-1.98%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	1.05% -17.4% YoY -21.3% QoQ	+0.41%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	12.18% +15.8% YoY +3.1% QoQ	-3.65%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.29% +85.4% YoY -64.4% QoQ	+0.01%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 7.2% in tier

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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 (2)

Profitability Leader

growth

#52 of 666 • Top 7.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.31%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#99 of 666 • Top 14.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.29%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.31%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#38 of 643 • Bottom 5.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.31%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#42 of 108 • Bottom 38.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 92.31%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.18%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 (3 metrics)

Net Interest Margin

profitability

Value: 5.84%

Peer Median: 3.93%

#50 of 2664 Top 1.8% in $100M-$1B

188

Return on Assets

profitability

Value: 2.31%

Peer Median: 1.27%

#188 of 2664 Top 7.0% in $100M-$1B

192

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.28%

#192 of 2664 Top 7.2% in $100M-$1B

Top Weaknesses (3 metrics)

2168

Nonperforming Asset Ratio

credit_quality

Value: 1.05%

Peer Median: 0.64%

#2168 of 2664 Bottom 18.7% in $100M-$1B

2137

Loan-to-Deposit Ratio

liquidity

Value: 92.31%

Peer Median: 76.64%

#2137 of 2664 Bottom 19.8% in $100M-$1B

2041

Delinquency Rate

credit_quality

Value: 1.26%

Peer Median: 0.89%

#2041 of 2654 Bottom 23.1% in $100M-$1B