BlastPoint's Banking Scorecard

Bank of Farmington

$100M-$1B Specialty: Agricultural IL FDIC cert 11732

Farmington, 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 +4.4% year over year ($211.7M on the books).
Delinquency rate 0.20%.
Return on assets 0.44%.
Efficiency ratio 82.63% vs a 64.48% peer average.
Loan-to-deposit ratio 77.42% 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) →

Bank of Farmington has 1 strength but faces 3 concerns

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

+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 16.6% in tier
- ROA 0.88% below tier average
- Net Interest Margin 0.49% below tier average

Get updates when Bank of Farmington releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$240.1M +5.5% YoY +2.7% QoQ	-$146.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	34%
Total Loans ?	$163.9M +1.8% YoY +0.9% QoQ	-$94.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	39%
Total Deposits ?	$211.7M +4.4% YoY +1.7% QoQ	-$115.0M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	37%
Return on Assets ?	0.44% -26.3% YoY +11.5% QoQ	-0.88%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 10.8% in tier
Net Interest Margin ?	3.50% +6.2% YoY +1.8% QoQ	-0.49%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	28%
Efficiency Ratio ?	82.63% +10.9% YoY -2.0% QoQ	+18.16%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 11.2% in tier
Delinquency Rate ?	0.20% -91.0% YoY -88.3% QoQ	-0.72%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	66%
Loan-to-Deposit Ratio ?	77.42% -2.5% YoY -0.7% QoQ	-0.53%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	55%
Non-Interest-Bearing Deposit Share ?	12.66% -5.3% YoY -3.3% QoQ	-9.37%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	1.18% -24.3% YoY -52.6% QoQ	+0.51%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	13.96% +2.7% YoY +1.7% QoQ	-1.95%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.15% +10.7% YoY +104.0% QoQ	-0.42%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	34%

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	12.7% -0.7pp YoY -0.4pp QoQ	-9.5pp	22.1%	20.1%	22.2%	16%
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	15.2% +0.6pp YoY +0.3pp QoQ	+3.6pp	11.6%	14.7%	12.5%	76%
CRE	38.5% +1.7pp YoY -0.9pp QoQ	-1.1pp	39.5%	37.9%	41.4%	50%
1-4 Family	17.9% -0.2pp YoY +0.3pp QoQ	-14.7pp	32.6%	28.3%	31.3%	26%
Consumer	3.1% -0.7pp YoY 0.0pp QoQ	-1.0pp	4.1%	5.4%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	14.0% +0.4pp YoY +0.2pp QoQ	-4.9pp	18.8%	19.9%	19.7%	38%
Leverage Ratio	11.0% +0.4pp YoY +0.3pp QoQ	-1.2pp	12.2%	12.2%	12.6%	50%
Total Capital Ratio	14.8% +0.2pp YoY +0.1pp QoQ	-5.2pp	19.9%	20.9%	20.8%	35%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	41 +2 (+5.1%) YoY -1 (-2.4%) QoQ	-18	58	228	482	42%
Assets per Employee ($)	$5.9M +0.4% YoY +5.2% QoQ	-$1.7M	$7.5M	$8.3M	$8.8M	30%
Branch Count	6 +1 (+20.0%) 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	0.0% -1.6pp YoY -1.2pp QoQ	-0.3pp	0.3%	0.4%	0.4%	21%
Nonaccrual	0.2% -0.4pp YoY -0.3pp QoQ	-0.8pp	0.9%	1.1%	1.0%	28%
Allowance Coverage	4.64x +841.4% YoY +640.7% QoQ	-19.51x	24.15x	5.62x	20.23x	69%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY +0.3pp QoQ	+0.2pp	0.1%	0.1%	0.2%	90%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	4.6% -2.0pp YoY +0.5pp QoQ	-7.6pp	12.2%	10.5%	11.6%	12%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	50%
Net Income ($, YTD)	$524,000 -24.1% YoY — QoQ	-$2.0M	$2.6M	$11.7M	$40.4M	11%

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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)

Efficiency Drag

risk

#61 of 361 • Bottom 16.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 82.63%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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 (4 metrics)

2358

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.32%

#2358 of 2643 Bottom 10.8% in $100M-$1B

2347

Efficiency Ratio

profitability

Value: 82.63%

Peer Median: 64.48%

#2347 of 2643 Bottom 11.2% in $100M-$1B

2216

Non-Interest-Bearing Deposit Share

funding

Value: 12.66%

Peer Median: 22.03%

#2216 of 2643 Bottom 16.2% in $100M-$1B

2204

Nonperforming Asset Ratio

credit_quality

Value: 1.18%

Peer Median: 0.67%

#2204 of 2643 Bottom 16.6% in $100M-$1B