BlastPoint's Banking Scorecard
Farmers State Bank of Medora
Designations: ✓ Community bank
Medora, 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 +2.3% year over year ($17.9M on the books).
- Delinquency rate 1.72%.
- Return on assets 0.07%.
- Efficiency ratio 98.64% vs a 119.40% peer average.
- Loan-to-deposit ratio 43.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Medora has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.76% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Net Interest Margin 0.86% below tier average
- - Delinquency Rate 0.24% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.4M
+3.4% YoY
-9.2% QoQ
|
-$42.1M |
$62.4M
-0.0% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.3% in tier |
| Total Loans ? |
$7.7M
-4.3% YoY
+6.4% QoQ
|
-$27.2M |
$34.9M
-0.6% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.1% in tier |
| Total Deposits ? |
$17.9M
+2.3% YoY
-10.3% QoQ
|
-$33.7M |
$51.6M
-0.2% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.6% in tier |
| Return on Assets ? |
0.07%
+124.3% YoY
+132.5% QoQ
|
-0.93% |
1.00%
+3.5% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.8% in tier |
| Net Interest Margin ? |
3.05%
+5.0% YoY
+3.1% QoQ
|
-0.86% |
3.91%
+2.3% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
16% |
| Efficiency Ratio ? |
98.64%
-10.5% YoY
-8.3% QoQ
|
-20.76% |
119.40%
+49.6% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 13.1% in tier |
| Delinquency Rate ? |
1.72%
+666.3% YoY
-10.1% QoQ
|
+0.24% |
1.48%
+31.8% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
43.00%
-6.4% YoY
+18.7% QoQ
|
-31.21% |
74.21%
+12.6% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
27.24%
-1.6% YoY
-18.6% QoQ
|
+3.75% |
23.49%
+0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.65%
+609.2% YoY
+5.4% QoQ
|
-0.19% |
0.84%
+23.0% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
28.80%
-2.2% YoY
+30.8% QoQ
|
+1.68% |
27.13%
+3.0% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.03%
+35.4% YoY
+92.8% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.1% in tier |
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 |
27.2%
-0.4pp YoY -6.2pp QoQ |
+2.6pp | 24.6% | 20.1% | 22.2% | 64% |
| 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 |
46.4%
-3.9pp YoY -0.7pp QoQ |
+33.0pp | 13.4% | 14.7% | 12.5% | 98% |
| CRE | n/a | n/a | 25.2% | 37.9% | 41.4% | n/a |
| 1-4 Family |
5.7%
-0.7pp YoY -0.4pp QoQ |
-29.3pp | 35.0% | 28.3% | 31.3% | 15% |
| Consumer |
6.3%
-2.7pp YoY -1.2pp QoQ |
-1.4pp | 7.7% | 5.4% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
28.8%
-0.7pp YoY +6.8pp QoQ |
-9.9pp | 38.7% | 19.9% | 19.7% | 71% |
| Leverage Ratio |
15.5%
+0.8pp YoY +2.4pp QoQ |
-2.2pp | 17.7% | 12.2% | 12.6% | 72% |
| Total Capital Ratio |
29.5%
-0.6pp YoY +7.0pp QoQ |
-10.2pp | 39.7% | 20.9% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
0 YoY 0 QoQ |
-7 | 12 | 228 | 482 | 7% |
| Assets per Employee ($) |
$4.1M
+3.4% YoY -9.2% QoQ |
-$2.1M | $6.2M | $8.3M | $8.8M | 21% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.7%
-0.2pp QoQ |
+0.7pp | 1.0% | 0.4% | 0.4% | 85% |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.1% | 1.0% | 8% |
| Allowance Coverage |
0.58x
-85.0% YoY +20.4% QoQ |
-5.83x | 6.41x | 5.62x | 20.23x | 26% |
| Net Charge-off Rate (YTD) | -0.3% | -0.4pp | 0.2% | 0.1% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.6%
+3.3pp YoY +2.5pp QoQ |
-5.8pp | 6.4% | 10.5% | 11.6% | 14% |
| Cost of Funds (YTD) |
0.9%
+0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$7,000
+125.0% YoY — QoQ |
-$311K | $317,817 | $11.7M | $40.4M | 14% |
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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.