BlastPoint's Banking Scorecard

First State Bank of Forrest

$100M-$1B Specialty: Commercial IL FDIC cert 11669

Forrest, IL

6 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
Deposits +6.1% year over year ($280.3M on the books).
Delinquency rate 1.84%.
Return on assets 0.81%.
Efficiency ratio 65.28% vs a 64.48% peer average.
Loan-to-deposit ratio 97.59% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

First State Bank of Forrest faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 17.1% in tier
- ROA 0.51% below tier average
- Net Interest Margin 0.31% below tier average
- Efficiency Ratio 0.80% above tier average
- Delinquency Rate 0.93% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$328.3M +3.0% YoY -0.4% QoQ	-$58.3M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	51%
Total Loans ?	$273.6M -0.4% YoY -1.1% QoQ	+$15.2M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	62%
Total Deposits ?	$280.3M +6.1% YoY +0.1% QoQ	-$46.4M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	51%
Return on Assets ?	0.81% -3.6% YoY -4.5% QoQ	-0.51%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.68% +14.8% YoY +2.4% QoQ	-0.31%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	65.28% -9.2% YoY -1.5% QoQ	+0.80%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	41%
Delinquency Rate ?	1.84% +9.1% YoY -6.1% QoQ	+0.93%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 14.2% in tier
Loan-to-Deposit Ratio ?	97.59% -6.1% YoY -1.3% QoQ	+19.64%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Bottom 13.0% in tier
Non-Interest-Bearing Deposit Share ?	14.05% +9.2% YoY +2.6% QoQ	-7.98%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	1.55% +3.0% YoY -6.8% QoQ	+0.88%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	Bottom 11.5% in tier
Tier 1 Capital Ratio ?	11.83% +10.1% YoY +3.6% QoQ	-4.08%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.10% -27.1% YoY +124.2% QoQ	-0.46%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	19%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Noninterest-Bearing	14.1% +1.2pp YoY +0.4pp QoQ	-8.1pp	22.1%	20.1%	22.2%	20%
Brokered Deposits	3.8% -0.2pp YoY +0.5pp QoQ	-4.0pp	7.9%	8.0%	8.5%	44%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	13.7% -0.4pp YoY -0.7pp QoQ	+2.1pp	11.6%	14.7%	12.5%	71%
CRE	22.8% +0.9pp YoY +0.6pp QoQ	-16.8pp	39.5%	37.9%	41.4%	22%
1-4 Family	40.6% +2.2pp YoY +0.3pp QoQ	+8.0pp	32.6%	28.3%	31.3%	71%
Consumer	4.3% -0.7pp YoY -0.1pp QoQ	+0.1pp	4.1%	5.4%	5.0%	72%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	11.8% +1.1pp YoY +0.4pp QoQ	-7.0pp	18.8%	19.9%	19.7%	15%
Leverage Ratio	9.1% +0.3pp YoY +0.1pp QoQ	-3.1pp	12.2%	12.2%	12.6%	13%
Total Capital Ratio	12.9% +1.1pp YoY +0.4pp QoQ	-7.0pp	19.9%	20.9%	20.8%	15%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	54 0 YoY 0 QoQ	-5	58	228	482	57%
Assets per Employee ($)	$6.1M +3.0% YoY -0.4% QoQ	-$1.4M	$7.5M	$8.3M	$8.8M	35%
Branch Count	6 0 YoY 0 QoQ	+1	4	10	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	1.0% +0.3pp YoY +0.1pp QoQ	+0.7pp	0.3%	0.4%	0.4%	92%
Nonaccrual	0.8% -0.2pp YoY -0.2pp QoQ	-0.1pp	0.9%	1.1%	1.0%	67%
Allowance Coverage	0.51x -5.0% YoY +6.5% QoQ	-23.64x	24.15x	5.62x	20.23x	10%
Net Charge-off Rate (YTD)	0.5% +0.4pp YoY +0.3pp QoQ	+0.3pp	0.1%	0.1%	0.2%	93%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	9.2% -0.7pp YoY -0.5pp QoQ	-3.0pp	12.2%	10.5%	11.6%	32%
Cost of Funds (YTD)	2.3% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.6%	1.7%	85%
Net Income ($, YTD)	$1.3M +2.2% YoY — QoQ	-$1.2M	$2.6M	$11.7M	$40.4M	37%

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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 (1)

Liquidity Strain

risk

#119 of 691 • Bottom 17.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 97.59%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2341

Nonperforming Asset Ratio

credit_quality

Value: 1.55%

Peer Median: 0.67%

#2341 of 2643 Bottom 11.5% in $100M-$1B

2301

Loan-to-Deposit Ratio

liquidity

Value: 97.59%

Peer Median: 77.95%

#2301 of 2643 Bottom 13.0% in $100M-$1B

2259

Delinquency Rate

credit_quality

Value: 1.84%

Peer Median: 0.92%

#2259 of 2633 Bottom 14.2% in $100M-$1B

2141

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2141 of 2643 Bottom 19.0% in $100M-$1B

2092

Non-Interest-Bearing Deposit Share

funding

Value: 14.05%

Peer Median: 22.03%

#2092 of 2643 Bottom 20.9% in $100M-$1B

2013

Return on Assets

profitability

Value: 0.81%

Peer Median: 1.32%

#2013 of 2643 Bottom 23.9% in $100M-$1B