BlastPoint's Banking Scorecard
First State Bank Shannon-Polo
Shannon, IL
3 branches across IL
First State Bank Shannon-Polo has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 41.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.66% above tier average
- - Nonperforming Asset Ratio 1.40% above tier average
- - Net Interest Margin 0.64% below tier average
- - Efficiency Ratio 1.38% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.0M
-0.3% YoY
-1.7% QoQ
|
-$194.1M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$110.3M
+11.8% YoY
+2.0% QoQ
|
-$145.4M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$169.4M
-1.7% YoY
-2.2% QoQ
|
-$158.6M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
1.31%
+54.5% YoY
+24.1% QoQ
|
+0.04% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
3.29%
+18.9% YoY
+11.6% QoQ
|
-0.64% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
66.67%
-11.0% YoY
-5.9% QoQ
|
+1.38% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
3.55%
+166.3% YoY
+198.3% QoQ
|
+2.66% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.3% in tier |
| Loan-to-Deposit Ratio ? |
65.14%
+13.7% YoY
+4.2% QoQ
|
-11.50% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
15.55%
+8.4% YoY
+1.9% QoQ
|
-6.47% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
2.04%
+198.7% YoY
+209.3% QoQ
|
+1.40% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.5% in tier |
| Tier 1 Capital Ratio ? |
13.57%
-2.0% YoY
+0.7% QoQ
|
-2.26% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.27%
+18.1% YoY
-73.7% QoQ
|
-0.01% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Top 8.0% 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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.