BlastPoint's Banking Scorecard
First FSB of Mascoutah
Designations: ✓ Mutual
Mascoutah, IL
3 branches across IL
First FSB of Mascoutah has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.22% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.11% below tier average
- - Non-Interest-Bearing Deposit Share 13.09% below tier average
- - Nonperforming Asset Ratio 1.07% above tier average
- - ROA 0.44% below tier average
- - Delinquency Rate 1.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$202.9M
+5.9% YoY
+2.0% QoQ
|
-$183.2M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$156.4M
+4.0% YoY
+3.5% QoQ
|
-$99.3M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$182.3M
+5.2% YoY
+2.0% QoQ
|
-$145.7M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
0.82%
-0.7% YoY
+2.9% QoQ
|
-0.44% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
2.82%
+1.9% YoY
+0.1% QoQ
|
-1.11% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.2% in tier |
| Efficiency Ratio ? |
59.07%
-0.2% YoY
+0.4% QoQ
|
-6.22% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
2.22%
+228.8% YoY
-2.3% QoQ
|
+1.33% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.5% in tier |
| Loan-to-Deposit Ratio ? |
85.81%
-1.2% YoY
+1.5% QoQ
|
+9.17% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
8.93%
-7.3% YoY
-8.1% QoQ
|
-13.09% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.9% in tier |
| Nonperforming Asset Ratio ? |
1.71%
+222.9% YoY
-0.8% QoQ
|
+1.07% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.1% in tier |
| Tier 1 Capital Ratio ? |
15.53%
+2.7% YoY
-2.4% QoQ
|
-0.30% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.03%
+0.2% YoY
-76.1% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.4% 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.