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Iroquois Farmers State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 11746

Iroquois, 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 +4.9% year over year ($158.7M on the books).
  • Delinquency rate 1.97%.
  • Return on assets 1.61%.
  • Efficiency ratio 54.24% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.79% 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) →

Iroquois Farmers 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

  • + ROA 0.28% above tier average
  • + Efficiency Ratio 10.24% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 24.0% in tier
  • - Non-Interest Income / Assets 0.52% below tier average
  • - Delinquency Rate 1.05% above tier average
Get updates when Iroquois Farmers 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 ? $174.5M
+3.9% YoY +4.2% QoQ
-$212.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $113.9M
+10.9% YoY +9.5% QoQ
-$144.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $158.7M
+4.9% YoY +4.6% QoQ
-$168.1M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 1.61%
+39.1% YoY -5.4% QoQ
+0.28% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 3.96%
+18.6% YoY +0.3% QoQ
-0.03% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
51%
Efficiency Ratio ? 54.24%
-8.4% YoY +4.2% QoQ
-10.24% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
74%
Delinquency Rate ? 1.97%
+279.9% YoY +210.6% QoQ
+1.05% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 13.1% in tier
Loan-to-Deposit Ratio ? 71.79%
+5.7% YoY +4.7% QoQ
-6.16% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 19.81%
-4.5% YoY -12.2% QoQ
-2.22% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
45%
Nonperforming Asset Ratio ? 1.29%
+280.3% YoY +219.8% QoQ
+0.62% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
15%
Tier 1 Capital Ratio ? 9.10%
-25.0% YoY -34.4% QoQ
-6.81% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
Bottom 1.6% in tier
Non-Interest Income / Assets ? 0.05%
-12.6% YoY +85.8% QoQ
-0.52% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Bottom 5.9% 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 19.8%
-0.9pp YoY
-2.8pp QoQ
 -2.3pp 22.1% 20.1% 22.2% 45%
Brokered Deposits 6.3%
+3.7pp YoY
+3.7pp QoQ
 -1.6pp 7.9% 8.0% 8.5% 60%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 10.6%
+2.0pp YoY
+2.5pp QoQ
 -1.0pp 11.6% 14.7% 12.5% 56%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 12.5%
-0.3pp YoY
-0.9pp QoQ
 -20.1pp 32.6% 28.3% 31.3% 15%
Consumer 3.1%
-0.7pp YoY
-0.1pp 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 n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 9.1%
+0.6pp YoY
+0.1pp QoQ
 -3.1pp 12.2% 12.2% 12.6% 14%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 22
+1 (+4.8%) YoY
0 QoQ
 -37 58 228 482 14%
Assets per Employee ($) $7.9M
-0.9% YoY
+4.2% QoQ
 +$412K $7.5M $8.3M $8.8M 67%
Branch Count 6
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 0.2%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 60%
Nonaccrual 1.8%
+1.3pp YoY
+1.2pp QoQ
 +0.9pp 0.9% 1.1% 1.0% 85%
Allowance Coverage 0.22x
-71.0% YoY
-69.1% QoQ
 -23.93x 24.15x 5.62x 20.23x 2%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 16%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 18.5%
+3.7pp YoY
-0.9pp QoQ
 +6.3pp 12.2% 10.5% 11.6% 84%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 16%
Net Income ($, YTD) $1.4M
+42.8% YoY
— QoQ
 -$1.2M $2.6M $11.7M $40.4M 38%

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)

Capital Thin

risk
#160 of 661 • Bottom 24.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.10%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2602
Tier 1 Capital Ratio
capital
Value: 9.10%
Peer Median: 15.91%
#2602 of 2643 Bottom 1.6% in $100M-$1B
2487
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.57%
#2487 of 2643 Bottom 5.9% in $100M-$1B
2289
Delinquency Rate
credit_quality
Value: 1.97%
Peer Median: 0.92%
#2289 of 2633 Bottom 13.1% in $100M-$1B
2247
Nonperforming Asset Ratio
credit_quality
Value: 1.29%
Peer Median: 0.67%
#2247 of 2643 Bottom 15.0% in $100M-$1B
2115
Total Assets
size
Value: $174.46M
Peer Median: $386.57M
#2115 of 2643 Bottom 20.0% in $100M-$1B
2025
Total Loans
size
Value: $113.90M
Peer Median: $258.35M
#2025 of 2643 Bottom 23.4% in $100M-$1B
2021
Total Deposits
size
Value: $158.65M
Peer Median: $326.73M
#2021 of 2643 Bottom 23.6% in $100M-$1B
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