BlastPoint's Banking Scorecard
Farmers State Bank
Pittsfield, IL
6 branches across IL
Farmers State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 51.93% above tier average
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.7% in tier
- - Credit Risk Growth: Bottom 32.7% in tier
- - Liquidity Overhang: Bottom 41.1% in tier
- - ROA 0.62% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$358.1M
+7.0% YoY
+4.9% QoQ
|
-$28.0M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
55% |
| Total Loans ? |
$246.2M
+4.9% YoY
-2.9% QoQ
|
-$9.5M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$304.8M
+7.4% YoY
+5.9% QoQ
|
-$23.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
0.65%
-65.7% YoY
-65.8% QoQ
|
-0.62% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
4.16%
-2.3% YoY
-5.5% QoQ
|
+0.23% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
84.54%
+44.1% YoY
+49.3% QoQ
|
+19.25% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate ? |
0.88%
+66.7% YoY
|
-0.01% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
80.78%
-2.3% YoY
-8.3% QoQ
|
+4.14% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
73.95%
+204.0% YoY
+206.6% QoQ
|
+51.93% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Top 0.3% in tier |
| Nonperforming Asset Ratio ? |
0.74%
+99.5% YoY
+178.6% QoQ
|
+0.10% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
18.86%
-2.6% YoY
+2.0% QoQ
|
+3.03% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.11%
-1.3% YoY
-74.8% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
58% |
Get Full Access to Farmers State Bank
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 (0)
Concerns (3)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.