BlastPoint's Banking Scorecard
First State Bank and Trust
Community
Specialty: Other
IL
FDIC cert 16332
Monticello, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
First State Bank and Trust has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 38.94% below tier
- + Tier 1 Capital Ratio 11.53% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 71% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$502.8M
+5.3% YoY
-1.7% QoQ
|
-$888.7M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$201.1M
+4.1% YoY
+8.6% QoQ
|
-$774.4M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$455.7M
+4.2% YoY
-2.1% QoQ
|
-$708.9M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.79%
-7.0% YoY
-2.2% QoQ
|
+0.62% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.99%
-2.1% YoY
+0.3% QoQ
|
+0.33% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
60.33%
+3.8% YoY
+0.7% QoQ
|
-2.30% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.50%
-14.4% YoY
+26.0% QoQ
|
-0.12% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
44.12%
-0.0% YoY
+10.9% QoQ
|
-38.94% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.98%
+0.6% YoY
+2.8% QoQ
|
+10.93% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.20%
-15.7% YoY
+39.2% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
21.78%
+5.4% YoY
-4.8% QoQ
|
+11.53% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.86%
-1.6% YoY
+37.5% QoQ
|
+0.12% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
44.12%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 5%
in Community
Why this stands out
Current:
21.78%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Margin Compression
decline
#86 of 120 · Bottom 71% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.79%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 44.12% · Tier avg: 83.06%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.78% · Tier avg: 10.24%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 31.98% · Tier avg: 21.05%
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
70
70th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
55
55th pctile
Efficiency Ratio
Current: 60.33% · Tier avg: 62.63%
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
6
6th pctile
Total Deposits
Current: $455.7M · Tier avg: $1.2B
1
1th pctile
Total Loans
Current: $201.1M · Tier avg: $975.5M
1
1th pctile
Total Assets
Current: $502.8M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $502.8M · Tier avg: $1.4B
1
1th pctile
Total Loans
Current: $201.1M · Tier avg: $975.5M
6
6th pctile
Total Deposits
Current: $455.7M · Tier avg: $1.2B
46
46th pctile
Delinquency Rate
Current: 0.50% · Tier avg: 0.63%
55
55th pctile
Efficiency Ratio
Current: 60.33% · Tier avg: 62.63%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
70
70th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
86
86th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.16%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 31.98% · Tier avg: 21.05%
95
95th pctile
Tier 1 Capital Ratio
Current: 21.78% · Tier avg: 10.24%
98
98th pctile
Loan-to-Deposit Ratio
Current: 44.12% · Tier avg: 83.06%