BlastPoint's Banking Scorecard
Farmers State Bank of Hoffman
Hoffman, IL
3 branches across IL
Farmers State Bank of Hoffman has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.63% below tier average
- - Net Interest Margin 0.60% below tier average
- - Efficiency Ratio 8.66% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$219.8M
+4.3% YoY
+1.8% QoQ
|
-$166.3M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$108.6M
+10.4% YoY
+3.8% QoQ
|
-$147.2M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$164.5M
-1.1% YoY
-1.4% QoQ
|
-$163.4M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
0.64%
+45.8% YoY
-9.9% QoQ
|
-0.63% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
18% |
| Net Interest Margin ? |
3.33%
+19.0% YoY
+10.4% QoQ
|
-0.60% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
73.94%
-8.6% YoY
+7.3% QoQ
|
+8.66% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
0.15%
-16.9% YoY
+9.5% QoQ
|
-0.73% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
65.98%
+11.6% YoY
+5.2% QoQ
|
-10.66% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
25.59%
+2.3% YoY
+3.3% QoQ
|
+3.57% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.08%
-12.0% YoY
+11.6% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
12.20%
-0.5% YoY
-0.3% QoQ
|
-3.63% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.04%
-7.3% YoY
-91.6% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.8% 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.