BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Agricultural
IL
FDIC cert 12107
Designations: ✓ Community bank
Elmwood, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Farmers State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 25.28% above tier
- - Delinquency Rate 8.35% above tier
- - Non-Interest-Bearing Deposit Share 14.71% below tier
- - Nonperforming Asset Ratio 4.20% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.4M
-5.4% YoY
-0.5% QoQ
|
-$149.1M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$35.4M
-5.0% YoY
-0.3% QoQ
|
-$103.8M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$60.3M
-5.8% YoY
-0.8% QoQ
|
-$123.3M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
0.21%
+211.6% YoY
+41.6% QoQ
|
-0.87% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.02%
+17.0% YoY
+3.0% QoQ
|
-0.84% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
93.00%
-7.3% YoY
-2.0% QoQ
|
+25.28% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
8.99%
+167.7% YoY
+45.7% QoQ
|
+8.35% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
58.63%
+0.8% YoY
+0.5% QoQ
|
-15.89% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
7.68%
-3.3% YoY
+0.1% QoQ
|
-14.71% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
4.65%
+168.8% YoY
+45.9% QoQ
|
+4.20% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.13%
+3.9% YoY
+0.3% QoQ
|
+4.28% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.20%
+20.6% YoY
+37.3% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.00%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
8.99%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.68%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.65%
(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
64
64th pctile
Tier 1 Capital Ratio
Current: 13.13% · Tier avg: 8.85%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.63% · Tier avg: 74.53%
17
17th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 3.85%
14
14th pctile
Total Deposits
Current: $60.3M · Tier avg: $183.7M
13
13th pctile
Total Loans
Current: $35.4M · Tier avg: $139.2M
12
12th pctile
Total Assets
Current: $68.4M · Tier avg: $217.5M
10
10th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.08%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.68% · Tier avg: 22.39%
7
7th pctile
Efficiency Ratio
Current: 93.00% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 8.99% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.65% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.65% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 8.99% · Tier avg: 0.64%
7
7th pctile
Efficiency Ratio
Current: 93.00% · Tier avg: 67.73%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.68% · Tier avg: 22.39%
10
10th pctile
Return on Assets
Current: 0.21% · Tier avg: 1.08%
12
12th pctile
Total Assets
Current: $68.4M · Tier avg: $217.5M
13
13th pctile
Total Loans
Current: $35.4M · Tier avg: $139.2M
14
14th pctile
Total Deposits
Current: $60.3M · Tier avg: $183.7M
17
17th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 3.85%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.63% · Tier avg: 74.53%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.13% · Tier avg: 8.85%