BlastPoint's Banking Scorecard
Farmers State Bank
Designations: ✓ Community bank
Elmwood, 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 536 banks in the under $100M peer group nationwide — 1 of 60 in IL.
- Deposits +5.2% year over year ($58.5M on the books).
- Delinquency rate 4.35%.
- Return on assets 0.56%.
- Efficiency ratio 82.17% vs a 119.40% peer average.
- Loan-to-deposit ratio 57.71% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 37.23% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.87% above tier average
- - Nonperforming Asset Ratio 1.36% above tier average
- - ROA 0.44% below tier average
- - Net Interest Margin 0.55% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.9M
+6.8% YoY
-4.6% QoQ
|
+$4.5M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$33.8M
-4.9% YoY
-2.8% QoQ
|
-$1.1M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
51% |
| Total Deposits ? |
$58.5M
+5.2% YoY
-6.2% QoQ
|
+$6.9M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
0.56%
+741.8% YoY
-2.0% QoQ
|
-0.44% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
3.36%
+16.2% YoY
-0.1% QoQ
|
-0.55% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
82.17%
-15.9% YoY
+0.4% QoQ
|
-37.23% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
4.35%
+7.7% YoY
+9.0% QoQ
|
+2.87% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.8% in tier |
| Loan-to-Deposit Ratio ? |
57.71%
-9.7% YoY
+3.6% QoQ
|
-16.50% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
9.48%
+10.0% YoY
+1.9% QoQ
|
-14.01% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.2% in tier |
| Nonperforming Asset Ratio ? |
2.20%
-4.1% YoY
+11.0% QoQ
|
+1.36% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 9.3% in tier |
| Tier 1 Capital Ratio ? |
14.32%
+7.7% YoY
+14.1% QoQ
|
-12.80% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.13%
+34.9% YoY
+207.3% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
51% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
9.5%
+0.9pp YoY +0.2pp QoQ |
-15.2pp | 24.6% | 20.1% | 22.2% | 10% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
7.1%
+2.2pp YoY 0.0pp QoQ |
-6.3pp | 13.4% | 14.7% | 12.5% | 34% |
| CRE |
24.2%
-2.0pp YoY +1.3pp QoQ |
-1.1pp | 25.2% | 37.9% | 41.4% | 61% |
| 1-4 Family |
26.5%
+1.3pp YoY +1.4pp QoQ |
-8.5pp | 35.0% | 28.3% | 31.3% | 45% |
| Consumer |
1.3%
-0.1pp YoY 0.0pp QoQ |
-6.4pp | 7.7% | 5.4% | 5.0% | 14% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.3%
+1.0pp YoY +1.8pp QoQ |
-24.4pp | 38.7% | 19.9% | 19.7% | 18% |
| Leverage Ratio |
8.2%
-0.1pp YoY +0.8pp QoQ |
-9.5pp | 17.7% | 12.2% | 12.6% | 4% |
| Total Capital Ratio |
15.4%
+0.9pp YoY +1.9pp QoQ |
-24.3pp | 39.7% | 20.9% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY +1 (+8.3%) QoQ |
+1 | 12 | 228 | 482 | 62% |
| Assets per Employee ($) |
$5.1M
+6.8% YoY -11.9% QoQ |
-$1.0M | $6.2M | $8.3M | $8.8M | 38% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.7pp YoY |
-0.8pp | 1.0% | 0.4% | 0.4% | 36% |
| Nonaccrual |
4.1%
+1.0pp YoY +0.2pp QoQ |
+2.4pp | 1.7% | 1.1% | 1.0% | 92% |
| Allowance Coverage |
0.29x
-17.3% YoY -1.4% QoQ |
-6.12x | 6.41x | 5.62x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.4%
+13.4pp YoY -1.7pp QoQ |
+10.0pp | 6.4% | 10.5% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.6%
-0.4pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.6% | 1.7% | 62% |
| Net Income ($, YTD) |
$190,000
+763.6% YoY — QoQ |
-$128K | $317,817 | $11.7M | $40.4M | 35% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.