BlastPoint's Banking Scorecard

Farmers State Bank

under $100M Specialty: Agricultural IL FDIC cert 12107

Designations: ✓ Community bank

Elmwood, IL

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

Farmers State Bank has 1 strength 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

+ Efficiency Ratio 6.54% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.62% above tier average
- ROA 0.27% below tier average
- Net Interest Margin 0.49% 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 ?	$70.1M +8.1% YoY +3.2% QoQ	+$8.0M	$62.2M -0.6% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$34.8M -5.3% YoY -0.6% QoQ	+$505K	$34.2M -1.4% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$62.4M +4.3% YoY +3.5% QoQ	+$10.7M	$51.7M -0.7% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	62%
Return on Assets ?	0.57% +748.9% YoY +238.4% QoQ	-0.27%	0.84% -2.3% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	3.37% +26.3% YoY +12.7% QoQ	-0.49%	3.86% +2.8% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	81.80% -20.8% YoY -13.0% QoQ	-6.54%	88.34% +0.3% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	3.99% +18.8% YoY -61.7% QoQ	+2.62%	1.37% +33.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	Bottom 8.4% in tier
Loan-to-Deposit Ratio ?	55.68% -9.3% YoY -3.9% QoQ	-8.53%	64.22% -0.7% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	9.31% -5.3% YoY +21.2% QoQ	-14.41%	23.71% +0.3% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Bottom 14.2% in tier
Nonperforming Asset Ratio ?	1.98% +4.0% YoY -63.1% QoQ	+1.19%	0.79% +28.2% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	Bottom 11.1% in tier
Tier 1 Capital Ratio ?	12.56% -1.8% YoY +2.7% QoQ	-14.13%	26.68% +2.0% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.04% +11.8% YoY -79.6% QoQ	-0.62%	0.67% +1.9% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	33%

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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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

478

Delinquency Rate

credit_quality

Value: 3.99%

Peer Median: 1.37%

#478 of 521 Bottom 8.4% in under $100M

482

Nonperforming Asset Ratio

credit_quality

Value: 1.98%

Peer Median: 0.79%

#482 of 541 Bottom 11.1% in under $100M

465

Non-Interest-Bearing Deposit Share

funding

Value: 9.31%

Peer Median: 23.71%

#465 of 541 Bottom 14.2% in under $100M