BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Bushnell
Micro
Specialty: Agricultural
IL
FDIC cert 11324
Designations: ✓ Community bank
Bushnell, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Farmers and Merchants State Bank of Bushnell demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.50% 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 ? |
$89.4M
-0.5% YoY
+5.1% QoQ
|
-$128.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$39.8M
-7.0% YoY
+0.7% QoQ
|
-$99.4M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$80.9M
-2.6% YoY
+5.1% QoQ
|
-$102.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.42%
+11.4% YoY
-0.2% QoQ
|
+0.34% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.68%
+8.1% YoY
+1.3% QoQ
|
-0.17% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
58.00%
-3.1% YoY
+1.5% QoQ
|
-9.73% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
49.22%
-4.5% YoY
-4.2% QoQ
|
-25.30% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.21%
-5.1% YoY
+7.0% QoQ
|
+4.82% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
20.17%
+9.6% YoY
-0.8% QoQ
|
+11.32% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
1.07%
-2.1% YoY
+32.8% QoQ
|
+0.50% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.56%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.17% · Tier avg: 8.85%
73
73th pctile
Efficiency Ratio
Current: 58.00% · Tier avg: 67.73%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.21% · Tier avg: 22.39%
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
22
22th pctile
Total Deposits
Current: $80.9M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $89.4M · Tier avg: $217.5M
15
15th pctile
Total Loans
Current: $39.8M · Tier avg: $139.2M
12
12th pctile
Loan-to-Deposit Ratio
Current: 49.22% · Tier avg: 74.53%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 49.22% · Tier avg: 74.53%
15
15th pctile
Total Loans
Current: $39.8M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $89.4M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $80.9M · Tier avg: $183.7M
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.21% · Tier avg: 22.39%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
73
73th pctile
Efficiency Ratio
Current: 58.00% · Tier avg: 67.73%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.17% · Tier avg: 8.85%
93
93th pctile
Non-Interest Income / Assets
Current: 1.07% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%