BlastPoint's Banking Scorecard
Farmers State Bank of Western Illinois
Alpha, IL
6 branches across IL
Farmers State Bank of Western Illinois faces 3 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 0.09% below tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 1.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.6M
+3.1% YoY
-3.6% QoQ
|
-$221.5M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$70.9M
-1.3% YoY
-1.0% QoQ
|
-$184.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.8% in tier |
| Total Deposits ? |
$140.7M
+1.7% YoY
-4.4% QoQ
|
-$187.3M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.18%
+34.9% YoY
+16.7% QoQ
|
-0.09% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
3.80%
+8.1% YoY
+4.7% QoQ
|
-0.13% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
67.09%
-6.7% YoY
-2.9% QoQ
|
+1.80% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.92%
-22.3% YoY
-39.6% QoQ
|
+0.04% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
50.39%
-2.9% YoY
+3.6% QoQ
|
-26.24% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.29%
+0.8% YoY
-1.9% QoQ
|
+3.27% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.40%
-25.6% YoY
-38.0% QoQ
|
-0.24% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
13.58%
+0.4% YoY
+0.4% QoQ
|
-2.25% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.08%
+7.4% YoY
-71.6% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
35% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.