BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Mendota, IL
20 branches across IL
First State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.2% in tier
- - Liquidity Strain: Bottom 32.9% in tier
- - ROA 0.15% below tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 3.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+2.9% YoY
-0.9% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$1.3B
+2.6% YoY
-1.2% QoQ
|
-$668.0M |
$2.0B
+0.6% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$1.3B
+0.5% YoY
+0.4% QoQ
|
-$1.0B |
$2.3B
-0.3% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.21%
+68.2% YoY
+25.6% QoQ
|
-0.15% |
1.37%
+19.6% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
3.69%
+13.3% YoY
+7.2% QoQ
|
-0.13% |
3.82%
+6.9% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
64.98%
-10.3% YoY
-5.6% QoQ
|
+3.92% |
61.06%
-4.6% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
0.56%
+37.7% YoY
+29.5% QoQ
|
-0.33% |
0.89%
+14.1% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
99.00%
+2.2% YoY
-1.6% QoQ
|
+14.79% |
84.20%
+0.3% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
14.47%
+0.7% YoY
+10.2% QoQ
|
-6.82% |
21.29%
-2.5% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.47%
+33.0% YoY
+28.6% QoQ
|
-0.21% |
0.67%
+15.6% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
14.05%
+1.8% YoY
+2.2% QoQ
|
-1.11% |
15.16%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.26%
+11.1% YoY
-75.9% QoQ
|
+0.00% |
0.26%
+1.6% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
82% |
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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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.