BlastPoint's Banking Scorecard
Farmers State Bank of Medora
Designations: ✓ Community bank
Medora, IL
Farmers State Bank of Medora faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Net Interest Margin 0.90% below tier average
- - Efficiency Ratio 19.19% above tier average
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.4M
+8.4% YoY
+7.1% QoQ
|
-$39.7M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.7% in tier |
| Total Loans ? |
$7.2M
-6.4% YoY
-1.1% QoQ
|
-$27.0M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.3% in tier |
| Total Deposits ? |
$20.0M
+7.8% YoY
+8.0% QoQ
|
-$31.8M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.2% in tier |
| Return on Assets ? |
-0.20%
+53.4% YoY
+11.0% QoQ
|
-1.04% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.9% in tier |
| Net Interest Margin ? |
2.96%
+1.9% YoY
+0.3% QoQ
|
-0.90% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
107.53%
-7.7% YoY
-1.0% QoQ
|
+19.19% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate ? |
1.91%
+309.7% YoY
+173.5% QoQ
|
+0.54% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
36.22%
-13.2% YoY
-8.4% QoQ
|
-27.99% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
Top 13.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.44%
+7.7% YoY
+14.5% QoQ
|
+9.73% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.61%
+253.7% YoY
+152.6% QoQ
|
-0.17% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
22.02%
-25.6% YoY
-23.4% QoQ
|
-4.67% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.02%
+23.0% YoY
-66.0% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.6% in tier |
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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.