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First State Bank Shannon-Polo

$100M-$1B Specialty: Agricultural IL FDIC cert 1781

Shannon, IL

3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits -0.8% year over year ($167.1M on the books).
  • Delinquency rate 2.67%.
  • Return on assets 0.94%.
  • Efficiency ratio 69.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 64.59% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

First State Bank Shannon-Polo faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 42.2% in tier
  • - Delinquency Rate 1.75% above tier average
  • - ROA 0.38% below tier average
  • - Net Interest Margin 0.88% below tier average
  • - Efficiency Ratio 4.81% above tier average
Get updates when First State Bank Shannon-Polo releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $190.5M
+1.1% YoY -0.8% QoQ
-$196.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $107.9M
+9.3% YoY -2.2% QoQ
-$150.4M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
21%
Total Deposits ? $167.1M
-0.8% YoY -1.4% QoQ
-$159.7M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 0.94%
-4.4% YoY -27.9% QoQ
-0.38% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
31%
Net Interest Margin ? 3.11%
+8.8% YoY -5.4% QoQ
-0.88% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
Bottom 13.1% in tier
Efficiency Ratio ? 69.29%
-4.3% YoY +3.9% QoQ
+4.81% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
32%
Delinquency Rate ? 2.67%
+26.3% YoY -24.7% QoQ
+1.75% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
Bottom 7.7% in tier
Loan-to-Deposit Ratio ? 64.59%
+10.2% YoY -0.8% QoQ
-13.36% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 14.35%
+3.1% YoY -7.7% QoQ
-7.68% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
22%
Nonperforming Asset Ratio ? 1.51%
+36.5% YoY -25.8% QoQ
+0.85% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
Bottom 12.0% in tier
Tier 1 Capital Ratio ? 13.80%
+0.3% YoY +1.7% QoQ
-2.11% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 0.56%
+9.9% YoY +108.6% QoQ
+0.00% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
Top 7.6% in tier

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%
+0.4pp YoY
-1.2pp QoQ
 -7.8pp 22.1% 20.1% 22.2% 21%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 14.6%
+1.2pp YoY
-0.1pp QoQ
 +3.0pp 11.6% 14.7% 12.5% 74%
CRE 17.6%
-2.6pp YoY
-0.3pp QoQ
 -21.9pp 39.5% 37.9% 41.4% 14%
1-4 Family 29.2%
+0.8pp YoY
+0.3pp QoQ
 -3.5pp 32.6% 28.3% 31.3% 49%
Consumer 3.1%
-1.6pp YoY
0.0pp QoQ
 -1.0pp 4.1% 5.4% 5.0% 61%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 13.8%
+0.1pp YoY
+0.2pp QoQ
 -5.0pp 18.8% 19.9% 19.7% 37%
Leverage Ratio 10.3%
+0.7pp YoY
+0.3pp QoQ
 -1.9pp 12.2% 12.2% 12.6% 38%
Total Capital Ratio 14.7%
-0.1pp YoY
+0.2pp QoQ
 -5.2pp 19.9% 20.9% 20.8% 34%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 41
+2 (+5.1%) YoY
+2 (+5.1%) QoQ
 -18 58 228 482 42%
Assets per Employee ($) $4.6M
-3.8% YoY
-5.6% QoQ
 -$2.9M $7.5M $8.3M $8.8M 10%
Branch Count 3
0 YoY
0 QoQ
 -2 4 10 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.8%
0.0pp YoY
-1.6pp QoQ
 +0.5pp 0.3% 0.4% 0.4% 89%
Nonaccrual 1.9%
+0.6pp YoY
+0.7pp QoQ
 +1.0pp 0.9% 1.1% 1.0% 86%
Allowance Coverage 0.44x
-31.9% YoY
+28.3% QoQ
 -23.71x 24.15x 5.62x 20.23x 8%
Net Charge-off Rate (YTD) 0.5%
+0.5pp YoY
+0.5pp QoQ
 +0.4pp 0.1% 0.1% 0.2% 94%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 11.4%
-3.6pp YoY
-4.5pp QoQ
 -0.8pp 12.2% 10.5% 11.6% 45%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 25%
Net Income ($, YTD) $909,000
-3.5% YoY
— QoQ
 -$1.6M $2.6M $11.7M $40.4M 24%

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 (1)

Flatlined Growth

risk
#224 of 529 • Bottom 42.2% 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: 0.94%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

202
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#202 of 2643 Top 7.6% in $100M-$1B
608
Loan-to-Deposit Ratio
liquidity
Value: 64.59%
Peer Median: 77.95%
#608 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (6 metrics)

2432
Delinquency Rate
credit_quality
Value: 2.67%
Peer Median: 0.92%
#2432 of 2633 Bottom 7.7% in $100M-$1B
2328
Nonperforming Asset Ratio
credit_quality
Value: 1.51%
Peer Median: 0.67%
#2328 of 2643 Bottom 12.0% in $100M-$1B
2299
Net Interest Margin
profitability
Value: 3.11%
Peer Median: 3.99%
#2299 of 2643 Bottom 13.1% in $100M-$1B
2077
Total Loans
size
Value: $107.92M
Peer Median: $258.35M
#2077 of 2643 Bottom 21.5% in $100M-$1B
2068
Non-Interest-Bearing Deposit Share
funding
Value: 14.35%
Peer Median: 22.03%
#2068 of 2643 Bottom 21.8% in $100M-$1B
2008
Total Assets
size
Value: $190.46M
Peer Median: $386.57M
#2008 of 2643 Bottom 24.1% in $100M-$1B
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