BlastPoint's Banking Scorecard

First State Bank of St. Peter

under $100M Specialty: Agricultural IL FDIC cert 11302

Designations: ✓ Community bank

Saint Peter, IL

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

First State Bank of St. Peter demonstrates 3 strengths

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

+ ROA 0.79% above tier average
+ Efficiency Ratio 37.28% below tier average
+ Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$30.3M -3.8% YoY +3.3% QoQ	-$32.0M	$62.3M -0.5% YoY	$2.3B +4.2% YoY	$6.2B +9.0% YoY	Bottom 11.9% in tier
Total Loans ?	$7.6M -3.0% YoY -7.8% QoQ	-$26.7M	$34.3M -1.5% YoY	$1.2B +5.0% YoY	$3.2B +10.7% YoY	Bottom 8.4% in tier
Total Deposits ?	$24.9M -5.6% YoY +6.2% QoQ	-$26.9M	$51.8M -0.6% YoY	$1.9B +3.6% YoY	$4.8B +8.0% YoY	15%
Return on Assets ?	1.65% +17.0% YoY +18.0% QoQ	+0.79%	0.86% -3.6% YoY	1.04% +2.4% YoY	1.24% +13.1% YoY	82%
Net Interest Margin ?	3.86% +8.9% YoY +2.6% QoQ	-0.01%	3.87% +2.7% YoY	3.61% +7.3% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	50.35% -11.4% YoY -6.8% QoQ	-37.28%	87.63% +2.3% YoY	63.68% -7.1% YoY	66.84% -3.8% YoY	Top 10.1% in tier
Delinquency Rate ?	0.63% -61.3% YoY +8.4% QoQ	-0.73%	1.36% +33.7% YoY	1.15% +15.2% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	30.48% +2.7% YoY -13.2% QoQ	-33.63%	64.11% -0.9% YoY	71.92% +0.7% YoY	76.69% +0.9% YoY	Top 9.5% in tier
Non-Interest-Bearing Deposit Share ?	33.76% +6.4% YoY +2.0% QoQ	+9.98%	23.79% +0.5% YoY	20.45% -1.0% YoY	22.01% -1.1% YoY	83%
Nonperforming Asset Ratio ?	0.36% -11.5% YoY -4.1% QoQ	-0.41%	0.77% +28.7% YoY	0.78% +18.6% YoY	0.66% +19.3% YoY	45%
Tier 1 Capital Ratio ?	44.83% +8.0% YoY +2.9% QoQ	+18.05%	26.77% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 8.2% in tier
Non-Interest Income / Assets ?	0.03% -6.4% YoY -77.7% QoQ	-0.64%	0.67% +1.6% YoY	0.34% +6.6% YoY	0.32% +4.0% YoY	22%

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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 (5 metrics)

Tier 1 Capital Ratio

capital

Value: 44.83%

Peer Median: 26.77%

#45 of 537 Top 8.2% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 30.48%

Peer Median: 64.11%

#52 of 537 Top 9.5% in under $100M

Efficiency Ratio

profitability

Value: 50.35%

Peer Median: 87.63%

#55 of 537 Top 10.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 33.76%

Peer Median: 23.79%

#90 of 537 Top 16.6% in under $100M

Return on Assets

profitability

Value: 1.65%

Peer Median: 0.86%

#96 of 537 Top 17.7% in under $100M

Top Weaknesses (4 metrics)

493

Total Loans

size

Value: $7.59M

Peer Median: $34.29M

#493 of 537 Bottom 8.4% in under $100M

474

Total Assets

size

Value: $30.32M

Peer Median: $62.28M

#474 of 537 Bottom 11.9% in under $100M

457

Total Deposits

size

Value: $24.89M

Peer Median: $51.83M

#457 of 537 Bottom 15.1% in under $100M

418

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#418 of 537 Bottom 22.3% in under $100M