BlastPoint's Banking Scorecard
First State Bank of Forrest
Micro
Specialty: Commercial
IL
FDIC cert 11669
Designations: ✓ Community bank
Forrest, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First State Bank of Forrest 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
- - Loan-to-Deposit Ratio 27.01% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.3M
+8.1% YoY
+1.3% QoQ
|
+$111.8M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$280.8M
+8.2% YoY
+0.8% QoQ
|
+$141.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$276.5M
+8.9% YoY
+2.6% QoQ
|
+$92.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.11%
+88.4% YoY
+16.0% QoQ
|
+0.02% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.36%
+19.1% YoY
+3.3% QoQ
|
-0.49% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
66.44%
-14.3% YoY
-4.6% QoQ
|
-1.29% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
1.73%
+10.7% YoY
-6.9% QoQ
|
+1.09% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
101.53%
-0.6% YoY
-1.8% QoQ
|
+27.01% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.09%
+5.1% YoY
+1.5% QoQ
|
-8.30% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
1.48%
+10.8% YoY
-8.8% QoQ
|
+1.02% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
11.17%
-0.6% YoY
+3.8% QoQ
|
+2.32% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.37%
+11.7% YoY
+39.6% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
101.53%
(Tier avg: 74.53%, National avg: 78.04%)
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
90
90th pctile
Total Loans
Current: $280.8M · Tier avg: $139.2M
77
77th pctile
Total Assets
Current: $329.3M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $276.5M · Tier avg: $183.7M
56
56th pctile
Tier 1 Capital Ratio
Current: 11.17% · Tier avg: 8.85%
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
49
49th pctile
Efficiency Ratio
Current: 66.44% · Tier avg: 67.73%
28
28th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.85%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.09% · Tier avg: 22.39%
16
16th pctile
Delinquency Rate
Current: 1.73% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.48% · Tier avg: 0.45%
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.53% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.53% · Tier avg: 74.53%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.48% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.73% · Tier avg: 0.64%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 14.09% · Tier avg: 22.39%
28
28th pctile
Net Interest Margin
Current: 3.36% · Tier avg: 3.85%
49
49th pctile
Efficiency Ratio
Current: 66.44% · Tier avg: 67.73%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
53
53th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.08%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.17% · Tier avg: 8.85%
77
77th pctile
Total Deposits
Current: $276.5M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $329.3M · Tier avg: $217.5M
90
90th pctile
Total Loans
Current: $280.8M · Tier avg: $139.2M