BlastPoint's Banking Scorecard
Bank of Farmington
Micro
Specialty: Agricultural
IL
FDIC cert 11732
Designations: ✓ Community bank
Farmington, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Bank of Farmington 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
- - Nonperforming Asset Ratio 1.89% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$234.8M
+3.3% YoY
-0.7% QoQ
|
+$17.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$166.0M
-0.2% YoY
-2.3% QoQ
|
+$26.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$206.3M
+1.6% YoY
-1.7% QoQ
|
+$22.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.66%
+51.4% YoY
-11.9% QoQ
|
-0.43% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.38%
+14.9% YoY
+0.2% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
74.08%
-8.9% YoY
+4.3% QoQ
|
+6.35% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
1.20%
+220.9% YoY
-53.5% QoQ
|
+0.56% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
80.49%
-1.7% YoY
-0.6% QoQ
|
+5.97% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
13.12%
+0.6% YoY
+3.1% QoQ
|
-9.27% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
2.34%
+756.8% YoY
+26.4% QoQ
|
+1.89% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.45%
+2.2% YoY
+0.3% QoQ
|
+4.60% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.32%
+19.8% YoY
+22.8% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.34%
(Tier avg: 0.45%, National avg: 0.48%)
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
65
65th pctile
Total Loans
Current: $166.0M · Tier avg: $139.2M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.45% · Tier avg: 8.85%
61
61th pctile
Total Deposits
Current: $206.3M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $234.8M · Tier avg: $217.5M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.49% · Tier avg: 74.53%
30
30th pctile
Efficiency Ratio
Current: 74.08% · Tier avg: 67.73%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
25
25th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
24
24th pctile
Delinquency Rate
Current: 1.20% · Tier avg: 0.64%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.12% · Tier avg: 22.39%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.34% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.34% · Tier avg: 0.45%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.12% · Tier avg: 22.39%
24
24th pctile
Delinquency Rate
Current: 1.20% · Tier avg: 0.64%
25
25th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
30
30th pctile
Efficiency Ratio
Current: 74.08% · Tier avg: 67.73%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.49% · Tier avg: 74.53%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
59
59th pctile
Total Assets
Current: $234.8M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $206.3M · Tier avg: $183.7M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.45% · Tier avg: 8.85%
65
65th pctile
Total Loans
Current: $166.0M · Tier avg: $139.2M