BlastPoint's Banking Scorecard
Bank of Farmington
Farmington, IL
6 branches across IL
Bank of Farmington 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
- - Flatlined Growth: Bottom 8.0% in tier
- - Efficiency Drag: Bottom 22.2% in tier
- - Nonperforming Asset Ratio 1.86% above tier average
- - ROA 0.87% below tier average
- - Net Interest Margin 0.49% below tier average
- - Delinquency Rate 0.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$233.8M
+0.4% YoY
-0.4% QoQ
|
-$152.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
34% |
| Total Loans ? |
$162.4M
+1.2% YoY
-2.2% QoQ
|
-$93.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$208.2M
+1.6% YoY
+1.0% QoQ
|
-$119.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
0.40%
-21.4% YoY
-39.3% QoQ
|
-0.87% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.6% in tier |
| Net Interest Margin ? |
3.44%
+9.5% YoY
+1.6% QoQ
|
-0.49% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
84.33%
+8.3% YoY
+13.8% QoQ
|
+19.05% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.6% in tier |
| Delinquency Rate ? |
1.68%
-15.9% YoY
+40.6% QoQ
|
+0.80% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
78.00%
-0.4% YoY
-3.1% QoQ
|
+1.36% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
13.09%
-2.9% YoY
-0.2% QoQ
|
-8.92% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
2.50%
+81.0% YoY
+6.6% QoQ
|
+1.86% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.4% in tier |
| Tier 1 Capital Ratio ? |
13.73%
+3.4% YoY
+2.0% QoQ
|
-2.10% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.07%
+10.8% YoY
-77.7% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
34% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.