BlastPoint's Banking Scorecard

First State Bank and Trust

$100M-$1B Specialty: Other IL FDIC cert 16332

Monticello, IL

10 branches across IL

2664 banks in the $100M-$1B peer group nationally 211 in IL

First State Bank and Trust has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 44.4% in tier
+ ROA 0.38% above tier average
+ Efficiency Ratio 1.79% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 62.6% in tier
- Net Interest Margin 0.06% below tier average

Get updates when First State Bank and Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$507.0M -0.2% YoY +0.8% QoQ	+$120.9M	$386.1M +0.5% YoY	$2.3B +4.5% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$197.4M +8.2% YoY -1.8% QoQ	-$58.3M	$255.7M +1.1% YoY	$1.2B +5.3% YoY	$3.2B +10.8% YoY	48%
Total Deposits ?	$459.5M -1.3% YoY +0.8% QoQ	+$131.5M	$328.0M +0.1% YoY	$1.9B +3.9% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.64% -6.6% YoY -8.0% QoQ	+0.38%	1.27% +12.9% YoY	1.04% +3.0% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	3.87% -0.0% YoY -3.1% QoQ	-0.06%	3.93% +6.0% YoY	3.61% +7.5% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	63.50% +5.8% YoY +5.2% QoQ	-1.79%	65.29% -4.5% YoY	63.68% -7.4% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.39% -26.1% YoY -21.7% QoQ	-0.49%	0.89% +18.8% YoY	1.15% +15.6% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	42.96% +9.6% YoY -2.6% QoQ	-33.68%	76.64% +0.8% YoY	71.92% +1.0% YoY	76.70% +0.9% YoY	Top 5.5% in tier
Non-Interest-Bearing Deposit Share ?	31.54% +2.9% YoY -1.4% QoQ	+9.52%	22.02% -1.0% YoY	20.45% -1.2% YoY	22.01% -1.2% YoY	Top 14.7% in tier
Nonperforming Asset Ratio ?	0.15% -25.8% YoY -23.7% QoQ	-0.48%	0.64% +19.7% YoY	0.78% +18.1% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	21.84% -1.0% YoY +0.3% QoQ	+6.01%	15.83% +1.5% YoY	16.97% +0.7% YoY	17.06% +0.8% YoY	Top 10.3% in tier
Non-Interest Income / Assets ?	0.21% +9.3% YoY -75.3% QoQ	-0.07%	0.28% +9.3% YoY	0.34% +6.9% YoY	0.32% +4.1% YoY	Top 12.2% in tier

Get Full Access to First State Bank and Trust

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Revenue Diversifier

growth

#297 of 666 • Top 44.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.21%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.64%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Margin Compression

decline

#192 of 305 • Bottom 62.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.64%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

147

Loan-to-Deposit Ratio

liquidity

Value: 42.96%

Peer Median: 76.64%

#147 of 2664 Top 5.5% in $100M-$1B

275

Tier 1 Capital Ratio

capital

Value: 21.84%

Peer Median: 15.83%

#275 of 2664 Top 10.3% in $100M-$1B

325

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#325 of 2664 Top 12.2% in $100M-$1B

392

Non-Interest-Bearing Deposit Share

funding

Value: 31.54%

Peer Median: 22.02%

#392 of 2664 Top 14.7% in $100M-$1B

638

Total Deposits

size

Value: $459.48M

Peer Median: $327.97M

#638 of 2664 Top 23.9% in $100M-$1B

666

Return on Assets

profitability

Value: 1.64%

Peer Median: 1.27%

#666 of 2664 Top 25.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available