BlastPoint's Banking Scorecard
Farmers State Bank of Alto Pass, Ill.
Micro
Specialty: Commercial
IL
FDIC cert 11299
Designations: ✓ Community bank
Alto Pass, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Farmers State Bank of Alto Pass, Ill. demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.01% above 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 ? |
$355.0M
+0.4% YoY
+4.3% QoQ
|
+$137.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$297.7M
-0.0% YoY
+6.1% QoQ
|
+$158.5M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$321.9M
+0.5% YoY
+4.6% QoQ
|
+$138.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.61%
+22.5% YoY
+16.1% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.87%
+2.0% YoY
+1.6% QoQ
|
+2.01% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
71.70%
-1.2% YoY
-3.9% QoQ
|
+3.97% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
1.59%
+23.6% YoY
-34.3% QoQ
|
+0.95% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
92.48%
-0.5% YoY
+1.4% QoQ
|
+17.95% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
20.08%
+14.2% YoY
-0.4% QoQ
|
-2.31% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
1.33%
+23.0% YoY
-33.2% QoQ
|
+0.88% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? |
11.81%
+12.8% YoY
+5.4% QoQ
|
+2.96% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.80%
+1.4% YoY
+41.1% QoQ
|
+0.24% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.87%
(Tier avg: 3.85%, National avg: 3.75%)
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
Net Interest Margin
Current: 5.87% · Tier avg: 3.85%
92
92th pctile
Total Loans
Current: $297.7M · Tier avg: $139.2M
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
85
85th pctile
Total Deposits
Current: $321.9M · Tier avg: $183.7M
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.48% · Tier avg: 74.53%
81
81th pctile
Total Assets
Current: $355.0M · Tier avg: $217.5M
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 8.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.08% · Tier avg: 22.39%
36
36th pctile
Efficiency Ratio
Current: 71.70% · Tier avg: 67.73%
18
18th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.33% · Tier avg: 0.45%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 1.33% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.64%
36
36th pctile
Efficiency Ratio
Current: 71.70% · Tier avg: 67.73%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.08% · Tier avg: 22.39%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.81% · Tier avg: 8.85%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
81
81th pctile
Total Assets
Current: $355.0M · Tier avg: $217.5M
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.48% · Tier avg: 74.53%
85
85th pctile
Total Deposits
Current: $321.9M · Tier avg: $183.7M
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
92
92th pctile
Total Loans
Current: $297.7M · Tier avg: $139.2M
97
97th pctile
Net Interest Margin
Current: 5.87% · Tier avg: 3.85%