BlastPoint's Banking Scorecard

The Farmers State Bank and Trust Company

$100M-$1B Specialty: Other IL FDIC cert 11747

Jacksonville, IL

2 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 ($180.2M on the books).
Delinquency rate 2.28%.
Return on assets 0.65%.
Efficiency ratio 83.69% vs a 64.48% peer average.
Loan-to-deposit ratio 52.34% 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) →

The Farmers State Bank and Trust Company has 1 strength 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

+ Non-Interest-Bearing Deposit Share 19.59% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 35.2% in tier
- ROA 0.67% below tier average
- Net Interest Margin 0.16% below tier average
- Delinquency Rate 1.36% above tier average

Get updates when The Farmers State Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$210.1M -3.9% YoY -2.0% QoQ	-$176.5M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$94.3M -3.2% YoY +4.3% QoQ	-$164.0M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	16%
Total Deposits ?	$180.2M -4.9% YoY -2.4% QoQ	-$146.5M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	29%
Return on Assets ?	0.65% +9.3% YoY +4.7% QoQ	-0.67%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.83% +13.3% YoY +2.6% QoQ	-0.16%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	44%
Efficiency Ratio ?	83.69% +0.7% YoY -1.8% QoQ	+19.21%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	Bottom 10.1% in tier
Delinquency Rate ?	2.28% -4.9% YoY -4.7% QoQ	+1.36%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	Bottom 10.5% in tier
Loan-to-Deposit Ratio ?	52.34% +1.7% YoY +6.9% QoQ	-25.62%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	Top 10.1% in tier
Non-Interest-Bearing Deposit Share ?	41.62% +6.2% YoY -3.5% QoQ	+19.59%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	Top 3.7% in tier
Nonperforming Asset Ratio ?	1.04% -2.6% YoY +1.4% QoQ	+0.37%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	13.85% +7.0% YoY -0.3% QoQ	-2.06%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.47% +2.9% YoY +130.3% QoQ	-0.09%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	Top 10.3% 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	41.6% +2.4pp YoY -1.5pp QoQ	+19.5pp	22.1%	20.1%	22.2%	96%
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	12.3% +0.2pp YoY -0.4pp QoQ	+0.8pp	11.6%	14.7%	12.5%	65%
CRE	36.1% -4.8pp YoY -2.3pp QoQ	-3.4pp	39.5%	37.9%	41.4%	45%
1-4 Family	34.3% +6.8pp YoY +3.0pp QoQ	+1.6pp	32.6%	28.3%	31.3%	60%
Consumer	9.7% -1.3pp YoY -0.4pp QoQ	+5.6pp	4.1%	5.4%	5.0%	92%

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	13.8% +0.9pp YoY 0.0pp QoQ	+1.7pp	12.2%	12.2%	12.6%	81%
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	47 -1 (-2.1%) YoY -4 (-7.8%) QoQ	-12	58	228	482	49%
Assets per Employee ($)	$4.5M -1.9% YoY +6.3% QoQ	-$3.0M	$7.5M	$8.3M	$8.8M	8%
Branch Count	2 0 YoY 0 QoQ	-3	4	10	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.4%	0.4%	49%
Nonaccrual	2.2% -0.1pp YoY -0.2pp QoQ	+1.2pp	0.9%	1.1%	1.0%	89%
Allowance Coverage	1.00x -3.9% YoY -2.2% QoQ	-23.15x	24.15x	5.62x	20.23x	26%
Net Charge-off Rate (YTD)	0.4% +0.3pp YoY -0.1pp QoQ	+0.2pp	0.1%	0.1%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	4.7% 0.0pp YoY +0.2pp QoQ	-7.5pp	12.2%	10.5%	11.6%	13%
Cost of Funds (YTD)	0.5% -0.3pp YoY 0.0pp QoQ	-1.2pp	1.7%	1.6%	1.7%	2%
Net Income ($, YTD)	$685,000 +3.6% YoY — QoQ	-$1.9M	$2.6M	$11.7M	$40.4M	16%

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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

#128 of 361 • Bottom 35.2% in tier

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

Why this signature

Efficiency Ratio: 83.69%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

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 (3 metrics)

100

Non-Interest-Bearing Deposit Share

funding

Value: 41.62%

Peer Median: 22.03%

#100 of 2643 Top 3.7% in $100M-$1B

269

Loan-to-Deposit Ratio

liquidity

Value: 52.34%

Peer Median: 77.95%

#269 of 2643 Top 10.1% in $100M-$1B

274

Non-Interest Income / Assets

revenue_mix

Value: 0.47%

Peer Median: 0.57%

#274 of 2643 Top 10.3% in $100M-$1B

Top Weaknesses (5 metrics)

2377

Efficiency Ratio

profitability

Value: 83.69%

Peer Median: 64.48%

#2377 of 2643 Bottom 10.1% in $100M-$1B

2357

Delinquency Rate

credit_quality

Value: 2.28%

Peer Median: 0.92%

#2357 of 2633 Bottom 10.5% in $100M-$1B

2211

Total Loans

size

Value: $94.30M

Peer Median: $258.35M

#2211 of 2643 Bottom 16.4% in $100M-$1B

2202

Return on Assets

profitability

Value: 0.65%

Peer Median: 1.32%

#2202 of 2643 Bottom 16.7% in $100M-$1B

2130

Nonperforming Asset Ratio

credit_quality

Value: 1.04%

Peer Median: 0.67%

#2130 of 2643 Bottom 19.4% in $100M-$1B