BlastPoint's Banking Scorecard
First State Bank of Forrest
Forrest, IL
6 branches across IL
First State Bank of Forrest faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.3% in tier
- - Liquidity Strain: Bottom 47.9% in tier
- - Nonperforming Asset Ratio 1.02% above tier average
- - ROA 0.42% below tier average
- - Net Interest Margin 0.34% below tier average
- - Efficiency Ratio 0.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.5M
+7.1% YoY
+0.1% QoQ
|
-$56.6M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$276.6M
+5.2% YoY
-1.5% QoQ
|
+$20.9M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$279.9M
+8.9% YoY
+1.2% QoQ
|
-$48.1M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
0.85%
+54.6% YoY
-23.3% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.59%
+14.7% YoY
+6.8% QoQ
|
-0.34% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
66.27%
-17.0% YoY
-0.2% QoQ
|
+0.99% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
41% |
| Delinquency Rate ? |
1.96%
+1.9% YoY
+13.5% QoQ
|
+1.08% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.9% in tier |
| Loan-to-Deposit Ratio ? |
98.83%
-3.4% YoY
-2.7% QoQ
|
+22.19% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.70%
+4.9% YoY
-2.8% QoQ
|
-8.32% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.66%
+0.9% YoY
+12.5% QoQ
|
+1.02% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.7% in tier |
| Tier 1 Capital Ratio ? |
11.42%
+4.9% YoY
+2.2% QoQ
|
-4.41% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.05%
-19.0% YoY
-87.6% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
17% |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.