BlastPoint's Banking Scorecard

Flanagan State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 11734

Flanagan, IL

15 branches across IL · IA · MO · MT · PA · TX

2664 banks in the $100M-$1B peer group nationally 211 in IL

Flanagan State Bank has 2 strengths but faces 4 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

+ Revenue Diversifier: Top 27.8% in tier
+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 16.7% in tier
- Return on Assets 1.05% below tier average
- Efficiency Ratio 28.55% above tier average
- Net Interest Margin 0.61% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$313.4M +3.5% YoY +0.3% QoQ	-$72.7M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$181.6M +4.6% YoY -5.8% QoQ	-$74.1M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$290.3M +3.6% YoY +5.0% QoQ	-$37.7M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	53%
Return on Assets ?	0.22% +860.6% YoY -65.2% QoQ	-1.05%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	Bottom 6.6% in tier
Net Interest Margin ?	3.32% +5.9% YoY +0.2% QoQ	-0.61%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	93.83% -4.2% YoY +4.7% QoQ	+28.55%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	Bottom 4.5% in tier
Delinquency Rate ?	0.15% -84.6% YoY -15.1% QoQ	-0.74%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	62.55% +1.0% YoY -10.3% QoQ	-14.08%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	15.17% -56.6% YoY +3.2% QoQ	-6.85%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.12% -78.5% YoY +9.8% QoQ	-0.52%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	13.22% +2.5% YoY +10.9% QoQ	-2.61%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.96% +22.6% YoY -75.8% QoQ	+0.68%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 1.7% in tier

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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 (1)

Revenue Diversifier

growth

#186 of 666 • Top 27.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.96%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.22%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#34 of 198 • Bottom 16.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 15.17%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.96%

Peer Median: 0.28%

#46 of 2664 Top 1.7% in $100M-$1B

584

Loan-to-Deposit Ratio

liquidity

Value: 62.55%

Peer Median: 76.64%

#584 of 2664 Top 21.9% in $100M-$1B

Top Weaknesses (4 metrics)

2546

Efficiency Ratio

profitability

Value: 93.83%

Peer Median: 65.29%

#2546 of 2664 Bottom 4.5% in $100M-$1B

2489

Return on Assets

profitability

Value: 0.22%

Peer Median: 1.27%

#2489 of 2664 Bottom 6.6% in $100M-$1B

2068

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.93%

#2068 of 2664 Bottom 22.4% in $100M-$1B

2001

Non-Interest-Bearing Deposit Share

funding

Value: 15.17%

Peer Median: 22.02%

#2001 of 2664 Bottom 24.9% in $100M-$1B