BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Bushnell
Designations: ✓ Community bank
Bushnell, IL
2 branches across IL
Farmers and Merchants State Bank of Bushnell has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Non-Interest Income / Assets 0.37% below tier average
- + ROA 0.73% above tier average
- + Efficiency Ratio 32.60% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.11% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.2M
+0.3% YoY
+0.9% QoQ
|
+$28.0M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Top 11.5% in tier |
| Total Loans ? |
$39.5M
-1.5% YoY
-0.8% QoQ
|
+$5.2M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$81.3M
-1.1% YoY
+0.5% QoQ
|
+$29.5M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Top 7.2% in tier |
| Return on Assets ? |
1.56%
+14.8% YoY
+9.9% QoQ
|
+0.73% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
3.75%
+10.9% YoY
+1.7% QoQ
|
-0.11% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
47% |
| Efficiency Ratio ? |
55.74%
-3.3% YoY
-3.9% QoQ
|
-32.60% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.37% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
48.59%
-0.3% YoY
-1.3% QoQ
|
-15.63% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
26.73%
-0.6% YoY
-1.8% QoQ
|
+3.02% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.79% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
21.30%
+4.0% YoY
+5.6% QoQ
|
-5.39% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.29%
+3.2% YoY
-72.4% QoQ
|
-0.37% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 8.3% in tier |
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Signature Analysis
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Strengths (0)
Concerns (0)
Metric Rankings
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