BlastPoint's Banking Scorecard

Farmers and Merchants State Bank of Bushnell

under $100M Specialty: Agricultural IL FDIC cert 11324

Designations: ✓ Community bank

Bushnell, IL

2 branches across IL

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

Farmers and Merchants State Bank of Bushnell has 5 strengths but faces 1 concern

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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Non-Interest Income / Assets 0.38% below tier average
+ ROA 0.71% above tier average
+ Efficiency Ratio 31.88% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.12% below 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 ?	$90.2M +0.3% YoY +0.9% QoQ	+$27.9M	$62.3M -0.5% YoY	$2.3B +4.2% YoY	$6.2B +9.0% YoY	Top 11.5% in tier
Total Loans ?	$39.5M -1.5% YoY -0.8% QoQ	+$5.2M	$34.3M -1.5% YoY	$1.2B +5.0% YoY	$3.2B +10.7% YoY	62%
Total Deposits ?	$81.3M -1.1% YoY +0.5% QoQ	+$29.4M	$51.8M -0.6% YoY	$1.9B +3.6% YoY	$4.8B +8.0% YoY	Top 7.3% in tier
Return on Assets ?	1.56% +14.8% YoY +9.9% QoQ	+0.71%	0.86% -3.6% YoY	1.04% +2.4% YoY	1.24% +13.1% YoY	79%
Net Interest Margin ?	3.75% +10.9% YoY +1.7% QoQ	-0.12%	3.87% +2.7% YoY	3.61% +7.3% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	55.74% -3.3% YoY -3.9% QoQ	-31.88%	87.63% +2.3% YoY	63.68% -7.1% YoY	66.84% -3.8% YoY	84%
Delinquency Rate ?	0.00% -100.0% YoY	-1.36%	1.36% +33.7% YoY	1.15% +15.2% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	48.59% -0.3% YoY -1.3% QoQ	-15.52%	64.11% -0.9% YoY	71.92% +0.7% YoY	76.69% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	26.73% -0.6% YoY -1.8% QoQ	+2.94%	23.79% +0.5% YoY	20.45% -1.0% YoY	22.01% -1.1% YoY	62%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.77%	0.77% +28.7% YoY	0.78% +18.6% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	21.30% +4.0% YoY +5.6% QoQ	-5.48%	26.77% +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	-0.38%	0.67% +1.6% YoY	0.34% +6.6% YoY	0.32% +4.0% YoY	Top 8.4% 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 (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 (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Total Deposits

size

Value: $81.27M

Peer Median: $51.83M

#40 of 537 Top 7.3% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.29%

Peer Median: 0.67%

#46 of 537 Top 8.4% in under $100M

Total Assets

size

Value: $90.18M

Peer Median: $62.28M

#63 of 537 Top 11.5% in under $100M

Efficiency Ratio

profitability

Value: 55.74%

Peer Median: 87.63%

#87 of 537 Top 16.0% in under $100M

112

Return on Assets

profitability

Value: 1.56%

Peer Median: 0.86%

#112 of 537 Top 20.7% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available