BlastPoint's Banking Scorecard
First State Bank of Van Orin
Micro
Specialty: Agricultural
IL
FDIC cert 10809
Designations: ✓ Community bank
Van Orin, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First State Bank of Van Orin faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.0M
-4.1% YoY
-4.0% QoQ
|
-$175.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$11.0M
-6.2% YoY
-9.3% QoQ
|
-$128.2M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$37.4M
-6.6% YoY
-4.7% QoQ
|
-$146.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.59%
-18.4% YoY
-14.3% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.75%
+4.2% YoY
-0.1% QoQ
|
-1.11% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
73.12%
+13.0% YoY
+4.5% QoQ
|
+5.39% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.06%
-94.4% YoY
-14.2% QoQ
|
-0.58% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
29.46%
+0.5% YoY
-4.9% QoQ
|
-45.06% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.09%
-9.9% YoY
+2.0% QoQ
|
-8.30% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.02%
-94.6% YoY
-19.0% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
27.39%
+9.3% YoY
+6.0% QoQ
|
+18.54% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.19%
+8.3% YoY
+41.2% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Net Interest Margin is in the bottom decile of tier peers. Loan yields, funding mix, or asset mix are compressing margin relative to peers - check deposit costs and loan repricing cadence.
Why this stands out
Current:
2.75%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Loan-to-Deposit Ratio
Current: 29.46% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.39% · Tier avg: 8.85%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
33
33th pctile
Efficiency Ratio
Current: 73.12% · Tier avg: 67.73%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.09% · Tier avg: 22.39%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
7
7th pctile
Total Deposits
Current: $37.4M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $42.0M · Tier avg: $217.5M
3
3th pctile
Total Loans
Current: $11.0M · Tier avg: $139.2M
Top Weaknesses
3
3th pctile
Total Loans
Current: $11.0M · Tier avg: $139.2M
5
5th pctile
Total Assets
Current: $42.0M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $37.4M · Tier avg: $183.7M
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.09% · Tier avg: 22.39%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
33
33th pctile
Efficiency Ratio
Current: 73.12% · Tier avg: 67.73%
74
74th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.39% · Tier avg: 8.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 29.46% · Tier avg: 74.53%