BlastPoint's Banking Scorecard

The First State Bank of Dongola

under $100M Specialty: Other IL FDIC cert 12098

Designations: ✓ Community bank

Dongola, IL

2 branches across IL

541 banks in the under $100M peer group nationally 61 in IL

The First State Bank of Dongola has 3 strengths but faces 1 concern

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

+ Net Interest Margin 0.25% above tier average
+ Efficiency Ratio 6.76% below tier average
+ Delinquency Rate 1.09% below tier average

Key Concerns

Areas that may need attention

- ROA 0.06% 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 ?	$35.3M +9.2% YoY +8.2% QoQ	-$26.8M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	16%
Total Loans ?	$16.7M +5.2% YoY -0.2% QoQ	-$17.5M	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$31.8M +9.6% YoY +9.2% QoQ	-$19.9M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	0.78% -3.3% YoY -2.9% QoQ	-0.06%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	4.11% +2.6% YoY -1.1% QoQ	+0.25%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	81.59% +1.0% YoY -1.1% QoQ	-6.76%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	0.29% -15.5% YoY +4.5% QoQ	-1.09%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	52.60% -3.9% YoY -8.6% QoQ	-11.62%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	21.18% +1.1% YoY +3.2% QoQ	-2.54%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	0.14% -18.6% YoY -3.6% QoQ	-0.65%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	57%
Tier 1 Capital Ratio ?	19.80% -0.4% YoY +2.3% QoQ	-6.88%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.19% -12.4% YoY -77.7% QoQ	-0.48%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 12.8% 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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.67%

#70 of 541 Top 12.8% in under $100M

Top Weaknesses (3 metrics)

454

Total Assets

size

Value: $35.34M

Peer Median: $62.16M

#454 of 541 Bottom 16.3% in under $100M

430

Total Deposits

size

Value: $31.84M

Peer Median: $51.74M

#430 of 541 Bottom 20.7% in under $100M

423

Total Loans

size

Value: $16.75M

Peer Median: $34.25M

#423 of 541 Bottom 22.0% in under $100M