BlastPoint's Banking Scorecard
Iroquois Farmers State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 11746
Designations: ✓ Community bank
Iroquois, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Iroquois Farmers State Bank 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
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$168.1M
+2.2% YoY
-2.2% QoQ
|
-$49.4M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$104.9M
+0.3% YoY
-2.8% QoQ
|
-$34.3M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$150.0M
-0.7% YoY
-2.6% QoQ
|
-$33.6M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.23%
+36.6% YoY
+7.3% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.53%
+25.6% YoY
+3.5% QoQ
|
-0.32% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
58.98%
-4.3% YoY
-1.1% QoQ
|
-8.74% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.58%
+5.2% YoY
-4.3% QoQ
|
-0.06% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
69.91%
+1.1% YoY
-0.3% QoQ
|
-4.61% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
21.30%
-9.1% YoY
+6.1% QoQ
|
-1.09% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.38%
-1.6% YoY
-5.9% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
12.67%
+7.0% YoY
+10.9% QoQ
|
+3.82% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.12%
-61.7% YoY
+32.2% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.12%
(Tier avg: 0.56%, National avg: 0.65%)
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
70
70th pctile
Efficiency Ratio
Current: 58.98% · Tier avg: 67.73%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 8.85%
61
61th pctile
Loan-to-Deposit Ratio
Current: 69.91% · Tier avg: 74.53%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.30% · Tier avg: 22.39%
45
45th pctile
Total Deposits
Current: $150.0M · Tier avg: $183.7M
44
44th pctile
Total Loans
Current: $104.9M · Tier avg: $139.2M
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
43
43th pctile
Total Assets
Current: $168.1M · Tier avg: $217.5M
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
43
43th pctile
Total Assets
Current: $168.1M · Tier avg: $217.5M
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
44
44th pctile
Total Loans
Current: $104.9M · Tier avg: $139.2M
45
45th pctile
Total Deposits
Current: $150.0M · Tier avg: $183.7M
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.30% · Tier avg: 22.39%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
61
61th pctile
Loan-to-Deposit Ratio
Current: 69.91% · Tier avg: 74.53%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 8.85%
70
70th pctile
Efficiency Ratio
Current: 58.98% · Tier avg: 67.73%