BlastPoint's Banking Scorecard
Farmers State Bank of Hoffman
Hoffman, 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 +1.3% year over year ($168.2M on the books).
- Delinquency rate 0.17%.
- Return on assets 0.67%.
- Efficiency ratio 71.41% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.28% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Hoffman has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Net Interest Margin 0.60% below tier average
- - Efficiency Ratio 6.93% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.1M
+7.3% YoY
+5.6% QoQ
|
-$154.5M |
$386.6M
+1.2% YoY
|
$2.4B
+4.3% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$113.2M
+11.4% YoY
+4.2% QoQ
|
-$145.2M |
$258.3M
+1.7% YoY
|
$1.3B
+4.4% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$168.2M
+1.3% YoY
+2.2% QoQ
|
-$158.6M |
$326.7M
+0.7% YoY
|
$1.9B
+3.7% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.67%
-39.4% YoY
+4.6% QoQ
|
-0.65% |
1.32%
+10.8% YoY
|
1.12%
+2.8% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
3.38%
+18.2% YoY
+1.6% QoQ
|
-0.60% |
3.99%
+5.0% YoY
|
3.68%
+7.2% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
71.41%
+20.7% YoY
-3.4% QoQ
|
+6.93% |
64.48%
-3.2% YoY
|
63.11%
-4.5% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
0.17%
-4.3% YoY
+11.4% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
1.19%
+6.2% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
67.28%
+10.0% YoY
+2.0% QoQ
|
-10.67% |
77.95%
+1.0% YoY
|
72.86%
+0.7% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
24.80%
+2.2% YoY
-3.1% QoQ
|
+2.77% |
22.03%
-0.6% YoY
|
20.01%
-0.1% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.08%
-0.6% YoY
+10.0% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.81%
+6.3% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
11.95%
-3.1% YoY
-2.1% QoQ
|
-3.96% |
15.91%
+1.4% YoY
|
17.17%
+1.3% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.07%
-81.4% YoY
+78.7% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.68%
+1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.4% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
24.8%
+0.5pp YoY -0.8pp QoQ |
+2.6pp | 22.1% | 20.1% | 22.2% | 65% |
| Brokered Deposits |
5.3%
-4.9pp YoY -0.1pp QoQ |
-2.5pp | 7.9% | 8.0% | 8.5% | 55% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.6%
-2.0pp YoY -2.0pp QoQ |
+6.0pp | 11.6% | 14.7% | 12.5% | 83% |
| CRE |
19.3%
-1.5pp YoY -1.4pp QoQ |
-20.2pp | 39.5% | 37.9% | 41.4% | 17% |
| 1-4 Family |
25.6%
+2.7pp YoY +2.5pp QoQ |
-7.0pp | 32.6% | 28.3% | 31.3% | 42% |
| Consumer |
1.7%
-0.2pp YoY -0.1pp QoQ |
-2.5pp | 4.1% | 5.4% | 5.0% | 42% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 19.9% | 19.7% | n/a |
| Leverage Ratio |
11.9%
-0.4pp YoY -0.3pp QoQ |
-0.2pp | 12.2% | 12.2% | 12.6% | 64% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
-2 (-5.6%) YoY -2 (-5.6%) QoQ |
-25 | 58 | 228 | 482 | 33% |
| Assets per Employee ($) |
$6.8M
+13.6% YoY +11.8% QoQ |
-$693K | $7.5M | $8.3M | $8.8M | 49% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 10 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 36% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.1% | 1.0% | 22% |
| Allowance Coverage |
6.89x
-2.3% YoY -9.8% QoQ |
-17.27x | 24.15x | 5.62x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
-5.8pp YoY +0.4pp QoQ |
-5.2pp | 12.2% | 10.5% | 11.6% | 20% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 32% |
| Net Income ($, YTD) |
$744,000
-35.9% YoY — QoQ |
-$1.8M | $2.6M | $11.7M | $40.4M | 18% |
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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.