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First State Bank

$1B-$10B Specialty: Commercial IL FDIC cert 15752

Designations: ✓ Community bank

Mendota, IL

20 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in IL.
  • Deposits +2.3% year over year ($1.3B on the books).
  • Delinquency rate 0.47%.
  • Return on assets 1.16%.
  • Efficiency ratio 63.43% vs a 59.73% peer average.
  • Loan-to-deposit ratio 98.06% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in IL
View $1B-$10B leaderboard (IL) →

First State Bank has 1 strength but faces 5 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

  • + Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 14.1% in tier
  • - Flatlined Growth: Bottom 42.6% in tier
  • - ROA 0.23% below tier average
  • - Net Interest Margin 0.09% below tier average
  • - Efficiency Ratio 3.71% above tier average
Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $1.6B
-0.1% YoY -1.2% QoQ
-$1.2B $2.8B
-0.6% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
37%
Total Loans ? $1.3B
-1.1% YoY -1.8% QoQ
-$690.3M $2.0B
-0.3% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
46%
Total Deposits ? $1.3B
+2.3% YoY -0.9% QoQ
-$1.0B $2.3B
-0.5% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 1.16%
+30.9% YoY -3.8% QoQ
-0.23% 1.39%
+17.0% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 3.78%
+13.7% YoY +2.4% QoQ
-0.09% 3.87%
+6.2% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
54%
Efficiency Ratio ? 63.43%
-9.3% YoY -2.4% QoQ
+3.71% 59.73%
-12.6% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
36%
Delinquency Rate ? 0.47%
+61.5% YoY -15.4% QoQ
-0.39% 0.87%
+11.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
54%
Loan-to-Deposit Ratio ? 98.06%
-3.2% YoY -1.0% QoQ
+13.02% 85.04%
-0.1% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 14.44%
+4.5% YoY -0.2% QoQ
-6.84% 21.27%
-1.5% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.39%
+58.3% YoY -15.7% QoQ
-0.28% 0.67%
+11.7% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
52%
Tier 1 Capital Ratio ? 14.42%
+4.9% YoY +2.6% QoQ
-0.42% 14.84%
-0.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.55%
+3.2% YoY +109.7% QoQ
+0.02% 0.53%
+2.5% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
83%

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 14.4%
+0.6pp YoY
0.0pp QoQ
 -6.9pp 21.4% 20.1% 22.2% 24%
Brokered Deposits 0.8%
-1.8pp YoY
0.0pp QoQ
 -8.7pp 9.5% 8.0% 8.5% 16%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 6.2%
+0.5pp YoY
+0.4pp QoQ
 -7.9pp 14.0% 14.7% 12.5% 24%
CRE 44.1%
-1.5pp YoY
0.0pp QoQ
 -5.9pp 50.0% 37.9% 41.4% 34%
1-4 Family 32.0%
+0.1pp YoY
0.0pp QoQ
 +5.6pp 26.4% 28.3% 31.3% 69%
Consumer 0.6%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.7% 5.4% 5.0% 35%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 14.4%
+0.7pp YoY
+0.4pp QoQ
 -1.2pp 15.6% 19.9% 19.7% 64%
Leverage Ratio 10.9%
+0.6pp YoY
+0.2pp QoQ
 -0.4pp 11.3% 12.2% 12.6% 59%
Total Capital Ratio 15.7%
+0.7pp YoY
+0.4pp QoQ
 -1.0pp 16.7% 20.9% 20.8% 66%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 279
-6 (-2.1%) YoY
-2 (-0.7%) QoQ
 -35 313 228 482 62%
Assets per Employee ($) $5.6M
+2.1% YoY
-0.5% QoQ
 -$4.9M $10.5M $8.3M $8.8M 8%
Branch Count 20
0 YoY
0 QoQ
 -0 20 10 18 65%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
-0.1pp QoQ
 0.0pp 0.2% 0.4% 0.4% 85%
Nonaccrual 0.3%
0.0pp YoY
0.0pp QoQ
 -0.5pp 0.8% 1.1% 1.0% 32%
Allowance Coverage 2.46x
-36.9% YoY
+19.6% QoQ
 -16.25x 18.71x 5.62x 20.23x 57%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 19%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 10.9%
+2.0pp YoY
-0.6pp QoQ
 -1.7pp 12.6% 10.5% 11.6% 41%
Cost of Funds (YTD) 1.9%
-0.2pp YoY
0.0pp QoQ
 0.0pp 1.9% 1.6% 1.7% 50%
Net Income ($, YTD) $9.2M
+33.7% YoY
— QoQ
 -$10.1M $19.2M $11.7M $40.4M 35%

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 (2)

Liquidity Strain

risk
#52 of 361 • Bottom 14.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 98.06%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#70 of 162 • Bottom 42.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.16%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 banks QoQ

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

151
Non-Interest Income / Assets
revenue_mix
Value: 0.55%
Peer Median: 0.53%
#151 of 885 Top 16.9% in $1B-$10B

Top Weaknesses (2 metrics)

716
Loan-to-Deposit Ratio
liquidity
Value: 98.06%
Peer Median: 85.04%
#716 of 885 Bottom 19.2% in $1B-$10B
665
Non-Interest-Bearing Deposit Share
funding
Value: 14.44%
Peer Median: 21.27%
#665 of 885 Bottom 25.0% in $1B-$10B
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