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

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 +1.2% year over year ($277.0M on the books).
Delinquency rate 0.23%.
Return on assets 0.35%.
Efficiency ratio 92.48% vs a 64.48% peer average.
Loan-to-deposit ratio 65.65% 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) →

Flanagan State Bank has 2 strengths 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

+ Revenue Diversifier: Top 25.9% in tier
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 47.9% in tier
- Return on Assets 0.98% below tier average
- Net Interest Margin 0.56% below tier average

Get updates when Flanagan State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$300.3M -2.4% YoY -4.2% QoQ	-$86.3M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	46%
Total Loans ?	$181.8M -2.8% YoY +0.1% QoQ	-$76.5M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	44%
Total Deposits ?	$277.0M +1.2% YoY -4.6% QoQ	-$49.7M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	0.35% -28.8% YoY +58.3% QoQ	-0.98%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	Bottom 8.4% in tier
Net Interest Margin ?	3.43% +6.3% YoY +3.3% QoQ	-0.56%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	92.48% +1.0% YoY -1.4% QoQ	+28.00%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 4.4% in tier
Delinquency Rate ?	0.23% -73.0% YoY +55.6% QoQ	-0.69%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	65.65% -3.9% YoY +4.9% QoQ	-12.30%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	76%
Non-Interest-Bearing Deposit Share ?	13.69% -13.4% YoY -9.8% QoQ	-8.34%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	0.17% -66.6% YoY +46.6% QoQ	-0.50%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	63%
Tier 1 Capital Ratio ?	12.80% +3.7% YoY -3.2% QoQ	-3.11%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	45%
Non-Interest Income / Assets ?	2.04% +6.9% YoY +111.9% QoQ	+1.48%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 1.6% in tier

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	13.7% -2.1pp YoY -1.5pp QoQ	-8.5pp	22.1%	20.1%	22.2%	19%
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	8.6% -0.5pp YoY +0.5pp QoQ	-3.0pp	11.6%	14.7%	12.5%	44%
CRE	21.6% +1.1pp YoY -0.2pp QoQ	-18.0pp	39.5%	37.9%	41.4%	21%
1-4 Family	36.5% +1.5pp YoY +0.7pp QoQ	+3.9pp	32.6%	28.3%	31.3%	64%
Consumer	1.5% -0.3pp YoY -0.2pp QoQ	-2.6pp	4.1%	5.4%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	12.8% +0.5pp YoY -0.4pp QoQ	-6.0pp	18.8%	19.9%	19.7%	25%
Leverage Ratio	9.6% +0.9pp YoY +0.7pp QoQ	-2.6pp	12.2%	12.2%	12.6%	23%
Total Capital Ratio	13.6% +0.5pp YoY -0.4pp QoQ	-6.3pp	19.9%	20.9%	20.8%	22%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	132 -1 (-0.8%) YoY +1 (+0.8%) QoQ	+73	58	228	482	95%
Assets per Employee ($)	$2.3M -1.6% YoY -4.9% QoQ	-$5.2M	$7.5M	$8.3M	$8.8M	1%
Branch Count	15 0 YoY 0 QoQ	+10	4	10	18	98%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.1pp YoY	-0.3pp	0.3%	0.4%	0.4%	40%
Nonaccrual	0.2% -0.5pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.1%	1.0%	28%
Allowance Coverage	4.17x +306.8% YoY -35.2% QoQ	-19.98x	24.15x	5.62x	20.23x	66%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	5.3% -4.5pp YoY +1.9pp QoQ	-6.9pp	12.2%	10.5%	11.6%	14%
Cost of Funds (YTD)	1.6% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	44%
Net Income ($, YTD)	$534,000 -27.1% YoY — QoQ	-$2.0M	$2.6M	$11.7M	$40.4M	12%

Get Full Access to Flanagan State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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

#172 of 661 • Top 25.9% 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: 2.04%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.35%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#174 of 361 • Bottom 47.9% in tier

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

Why this signature

Efficiency Ratio: 92.48%

(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 (2 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 2.04%

Peer Median: 0.57%

#42 of 2643 Top 1.6% in $100M-$1B

645

Loan-to-Deposit Ratio

liquidity

Value: 65.65%

Peer Median: 77.95%

#645 of 2643 Top 24.4% in $100M-$1B

Top Weaknesses (4 metrics)

2528

Efficiency Ratio

profitability

Value: 92.48%

Peer Median: 64.48%

#2528 of 2643 Bottom 4.4% in $100M-$1B

2423

Return on Assets

profitability

Value: 0.35%

Peer Median: 1.32%

#2423 of 2643 Bottom 8.4% in $100M-$1B

2126

Non-Interest-Bearing Deposit Share

funding

Value: 13.69%

Peer Median: 22.03%

#2126 of 2643 Bottom 19.6% in $100M-$1B

2005

Net Interest Margin

profitability

Value: 3.43%

Peer Median: 3.99%

#2005 of 2643 Bottom 24.2% in $100M-$1B