BlastPoint's Banking Scorecard
Farmers State Bank of Western Illinois
Alpha, 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 +2.4% year over year ($143.4M on the books).
- Delinquency rate 1.78%.
- Return on assets 1.19%.
- Efficiency ratio 66.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 51.01% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Western Illinois faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 2.35% above tier average
- - Delinquency Rate 0.86% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.3M
+3.7% YoY
+1.6% QoQ
|
-$219.3M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$73.2M
-0.3% YoY
+3.2% QoQ
|
-$185.2M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.2% in tier |
| Total Deposits ? |
$143.4M
+2.4% YoY
+1.9% QoQ
|
-$183.3M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.19%
+23.0% YoY
+1.3% QoQ
|
-0.13% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
3.84%
+6.1% YoY
+0.9% QoQ
|
-0.15% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
66.83%
-4.6% YoY
-0.4% QoQ
|
+2.35% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
1.78%
+30.8% YoY
+92.5% QoQ
|
+0.86% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
51.01%
-2.7% YoY
+1.2% QoQ
|
-26.94% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Top 8.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.12%
+5.7% YoY
-0.7% QoQ
|
+3.09% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.78%
+25.8% YoY
+95.4% QoQ
|
+0.11% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
14.08%
+1.0% YoY
+3.7% QoQ
|
-1.83% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.15%
+5.5% YoY
+94.4% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.1%
+1.4pp YoY -0.2pp QoQ |
+3.0pp | 22.1% | 20.1% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.2%
+3.7pp YoY +2.9pp QoQ |
+2.7pp | 11.6% | 14.7% | 12.5% | 73% |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
13.5%
-1.0pp YoY -1.0pp QoQ |
-19.1pp | 32.6% | 28.3% | 31.3% | 17% |
| Consumer |
3.6%
-0.3pp YoY -0.2pp QoQ |
-0.6pp | 4.1% | 5.4% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
14.1%
+0.1pp YoY +0.5pp QoQ |
+1.9pp | 12.2% | 12.2% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
32
-4 (-11.1%) YoY +1 (+3.2%) QoQ |
-27 | 58 | 228 | 482 | 30% |
| Assets per Employee ($) |
$5.2M
+16.6% YoY -1.6% QoQ |
-$2.3M | $7.5M | $8.3M | $8.8M | 18% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 10 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+0.5pp YoY +0.9pp QoQ |
+0.7pp | 0.3% | 0.4% | 0.4% | 91% |
| Nonaccrual |
0.8%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.9% | 1.1% | 1.0% | 66% |
| Allowance Coverage |
1.22x
-16.9% YoY -48.7% QoQ |
-22.94x | 24.15x | 5.62x | 20.23x | 33% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
+1.0pp YoY +0.1pp QoQ |
-1.9pp | 12.2% | 10.5% | 11.6% | 39% |
| Cost of Funds (YTD) |
0.9%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.6% | 1.7% | 8% |
| Net Income ($, YTD) |
$1.0M
+26.6% YoY — QoQ |
-$1.6M | $2.6M | $11.7M | $40.4M | 26% |
Get Full Access to Farmers State Bank of Western Illinois
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.