BlastPoint's Banking Scorecard
The Farmers State Bank and Trust Company
Micro
Specialty: Other
IL
FDIC cert 11747
Designations: ✓ Community bank
Jacksonville, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
The Farmers State Bank and Trust Company demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 21.26% above tier
- + Non-Interest Income / Assets 0.46% 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 ? |
$209.3M
-8.5% YoY
-1.3% QoQ
|
-$8.2M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$97.2M
-5.0% YoY
+3.2% QoQ
|
-$42.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$179.7M
-10.3% YoY
-1.6% QoQ
|
-$4.0M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.58%
+6.3% YoY
-1.6% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.55%
+14.1% YoY
+2.6% QoQ
|
-0.30% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
84.51%
+1.0% YoY
+1.5% QoQ
|
+16.78% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
2.28%
-12.9% YoY
-3.0% QoQ
|
+1.64% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
54.09%
+5.9% YoY
+4.9% QoQ
|
-20.44% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
43.66%
+17.8% YoY
+4.2% QoQ
|
+21.26% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
1.06%
-9.5% YoY
+0.4% QoQ
|
+0.61% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.02%
+6.4% YoY
+47.0% QoQ
|
+0.46% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.66%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.02%
(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
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.66% · Tier avg: 22.39%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
83
83th pctile
Loan-to-Deposit Ratio
Current: 54.09% · Tier avg: 74.53%
54
54th pctile
Total Deposits
Current: $179.7M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $209.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Total Loans
Current: $97.2M · Tier avg: $139.2M
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
22
22th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.45%
14
14th pctile
Efficiency Ratio
Current: 84.51% · Tier avg: 67.73%
11
11th pctile
Delinquency Rate
Current: 2.28% · Tier avg: 0.64%
Top Weaknesses
11
11th pctile
Delinquency Rate
Current: 2.28% · Tier avg: 0.64%
14
14th pctile
Efficiency Ratio
Current: 84.51% · Tier avg: 67.73%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.45%
22
22th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
42
42th pctile
Total Loans
Current: $97.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Assets
Current: $209.3M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $179.7M · Tier avg: $183.7M
83
83th pctile
Loan-to-Deposit Ratio
Current: 54.09% · Tier avg: 74.53%
92
92th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.56%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.66% · Tier avg: 22.39%