BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Commercial
IL
FDIC cert 15752
Mendota, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11% in Community
- - Liquidity Strain: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+3.6% YoY
+0.5% QoQ
|
+$201.5M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.3B
+3.3% YoY
+1.1% QoQ
|
+$337.1M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.3B
+2.3% YoY
+4.1% QoQ
|
+$140.1M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.96%
+31.6% YoY
+2.8% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.44%
+14.4% YoY
+1.3% QoQ
|
-0.23% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
68.83%
-10.2% YoY
-0.0% QoQ
|
+6.19% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.43%
+30.9% YoY
-20.5% QoQ
|
-0.20% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
100.61%
+0.9% YoY
-2.8% QoQ
|
+17.54% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.13%
-8.4% YoY
-4.1% QoQ
|
-7.91% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.36%
+8.9% YoY
-19.8% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.75%
+2.7% YoY
+0.7% QoQ
|
+3.51% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
1.08%
+6.2% YoY
+35.0% QoQ
|
+0.34% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#69 of 642 · Bottom 11% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#218 of 513 · Bottom 42% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.61%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
88
88th pctile
Non-Interest Income / Assets
Current: 1.08% · Tier avg: 0.74%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
65
65th pctile
Tier 1 Capital Ratio
Current: 13.75% · Tier avg: 10.24%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
30
30th pctile
Efficiency Ratio
Current: 68.83% · Tier avg: 62.63%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.13% · Tier avg: 21.05%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.61% · Tier avg: 83.06%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.61% · Tier avg: 83.06%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.13% · Tier avg: 21.05%
30
30th pctile
Efficiency Ratio
Current: 68.83% · Tier avg: 62.63%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.75% · Tier avg: 10.24%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
88
88th pctile
Non-Interest Income / Assets
Current: 1.08% · Tier avg: 0.74%