BlastPoint's Banking Scorecard
The First Trust and Savings Bank of Watseka, Illinois
Micro
Specialty: Agricultural
IL
FDIC cert 10831
Designations: ✓ Community bank
Watseka, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The First Trust and Savings Bank of Watseka, Illinois demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.96% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$321.3M
-0.7% YoY
+1.7% QoQ
|
+$103.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
76% |
| Total Loans ? |
$167.8M
-1.7% YoY
+0.9% QoQ
|
+$28.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$268.6M
-2.7% YoY
+1.1% QoQ
|
+$85.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.75%
+3.2% YoY
-0.6% QoQ
|
+0.67% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.59%
+2.1% YoY
+1.3% QoQ
|
-0.26% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
42.77%
+3.9% YoY
+1.5% QoQ
|
-24.96% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.03%
-11.2% YoY
-4.9% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
62.45%
+1.0% YoY
-0.2% QoQ
|
-12.08% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
10.20%
-7.9% YoY
+1.6% QoQ
|
-12.19% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-12.2% YoY
-5.6% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.39%
-3.0% YoY
+40.3% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.77%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
97
97th pctile
Efficiency Ratio
Current: 42.77% · Tier avg: 67.73%
84
84th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.08%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
76
76th pctile
Total Assets
Current: $321.3M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $268.6M · Tier avg: $183.7M
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.45% · Tier avg: 74.53%
66
66th pctile
Total Loans
Current: $167.8M · Tier avg: $139.2M
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.20% · Tier avg: 22.39%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.20% · Tier avg: 22.39%
38
38th pctile
Net Interest Margin
Current: 3.59% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
66
66th pctile
Total Loans
Current: $167.8M · Tier avg: $139.2M
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.45% · Tier avg: 74.53%
75
75th pctile
Total Deposits
Current: $268.6M · Tier avg: $183.7M
76
76th pctile
Total Assets
Current: $321.3M · Tier avg: $217.5M
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
84
84th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.77% · Tier avg: 67.73%