BlastPoint's Banking Scorecard
Farmers State Bank of Medora
Micro
Specialty: Agricultural
IL
FDIC cert 13902
Designations: ✓ Community bank
Medora, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Farmers State Bank of Medora has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 34.98% below tier
- + Tier 1 Capital Ratio 19.89% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.31% below tier
- - Efficiency Ratio 40.92% above tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$21.0M
-3.0% YoY
-6.3% QoQ
|
-$196.5M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$7.3M
-0.3% YoY
-6.7% QoQ
|
-$131.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$18.5M
-5.2% YoY
-7.2% QoQ
|
-$165.2M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-0.23%
+2.6% YoY
+16.2% QoQ
|
-1.31% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.95%
-1.5% YoY
+1.1% QoQ
|
-0.90% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
108.64%
+3.9% YoY
-1.6% QoQ
|
+40.92% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? |
0.70%
-79.4% YoY
+241.7% QoQ
|
+0.06% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
39.54%
+5.2% YoY
+0.6% QoQ
|
-34.98% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.20%
-18.6% YoY
-7.7% QoQ
|
+6.81% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.24%
-78.8% YoY
+240.0% QoQ
|
-0.21% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
28.74%
-3.8% YoY
+14.2% QoQ
|
+19.89% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.05%
-19.0% YoY
+67.6% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
39.54%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
28.74%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.23%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
108.64%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(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
96
96th pctile
Tier 1 Capital Ratio
Current: 28.74% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.54% · Tier avg: 74.53%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.20% · Tier avg: 22.39%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
15
15th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
4
4th pctile
Return on Assets
Current: -0.23% · Tier avg: 1.08%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
3
3th pctile
Efficiency Ratio
Current: 108.64% · Tier avg: 67.73%
2
2th pctile
Total Loans
Current: $7.3M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $18.5M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $21.0M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $21.0M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $18.5M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $7.3M · Tier avg: $139.2M
3
3th pctile
Efficiency Ratio
Current: 108.64% · Tier avg: 67.73%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
4
4th pctile
Return on Assets
Current: -0.23% · Tier avg: 1.08%
15
15th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
38
38th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.45%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.20% · Tier avg: 22.39%
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.54% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 28.74% · Tier avg: 8.85%