BlastPoint's Banking Scorecard
Flanagan State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 11734
Designations: ✓ Community bank
Flanagan, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Flanagan State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 3.42% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.92% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.5M
+6.0% YoY
+0.7% QoQ
|
+$95.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$192.8M
+10.8% YoY
+2.3% QoQ
|
+$53.6M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$276.6M
+4.9% YoY
+0.1% QoQ
|
+$92.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
0.63%
+98.1% YoY
+22.1% QoQ
|
-0.46% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.31%
+16.4% YoY
+1.6% QoQ
|
-0.54% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
89.64%
-4.7% YoY
-1.5% QoQ
|
+21.92% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.17%
-55.4% YoY
-73.6% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
69.70%
+5.6% YoY
+2.2% QoQ
|
-4.82% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
14.71%
-9.4% YoY
-7.7% QoQ
|
-7.69% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.11%
-53.4% YoY
-73.2% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
11.92%
-1.3% QoQ
|
+3.07% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
3.98%
-7.9% YoY
+36.4% QoQ
|
+3.42% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.98%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.64%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 3.98% · Tier avg: 0.56%
77
77th pctile
Total Deposits
Current: $276.6M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $312.5M · Tier avg: $217.5M
72
72th pctile
Total Loans
Current: $192.8M · Tier avg: $139.2M
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.70% · Tier avg: 74.53%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.92% · Tier avg: 8.85%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.71% · Tier avg: 22.39%
9
9th pctile
Efficiency Ratio
Current: 89.64% · Tier avg: 67.73%
Top Weaknesses
9
9th pctile
Efficiency Ratio
Current: 89.64% · Tier avg: 67.73%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.71% · Tier avg: 22.39%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.92% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.70% · Tier avg: 74.53%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
72
72th pctile
Total Loans
Current: $192.8M · Tier avg: $139.2M
74
74th pctile
Total Assets
Current: $312.5M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $276.6M · Tier avg: $183.7M
99
99th pctile
Non-Interest Income / Assets
Current: 3.98% · Tier avg: 0.56%