BlastPoint's Banking Scorecard
First State Bank Shannon-Polo
Micro
Specialty: Agricultural
IL
FDIC cert 1781
Designations: ✓ Community bank
Shannon, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First State Bank Shannon-Polo demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + 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 ? |
$195.2M
+2.0% YoY
+2.3% QoQ
|
-$22.3M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$108.2M
+2.7% YoY
+4.4% QoQ
|
-$31.0M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$173.1M
+0.1% YoY
+2.3% QoQ
|
-$10.5M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
1.06%
+32.3% YoY
+2.0% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
2.95%
+12.6% YoY
+1.4% QoQ
|
-0.90% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
70.87%
-3.7% YoY
-1.0% QoQ
|
+3.14% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
1.19%
-5.3% YoY
-4.5% QoQ
|
+0.55% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
62.49%
+2.6% YoY
+2.0% QoQ
|
-12.03% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
15.26%
+7.8% YoY
+6.7% QoQ
|
-7.13% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.66%
-4.7% YoY
-2.7% QoQ
|
+0.21% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
13.48%
-0.8% YoY
-2.5% QoQ
|
+4.63% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
1.03%
-1.5% YoY
+33.0% 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 (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.03%
(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
92
92th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.56%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.49% · Tier avg: 74.53%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.48% · Tier avg: 8.85%
52
52th pctile
Total Deposits
Current: $173.1M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $195.2M · Tier avg: $217.5M
49
49th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
46
46th pctile
Total Loans
Current: $108.2M · Tier avg: $139.2M
38
38th pctile
Efficiency Ratio
Current: 70.87% · Tier avg: 67.73%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.64%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.26% · Tier avg: 22.39%
15
15th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
Top Weaknesses
15
15th pctile
Net Interest Margin
Current: 2.95% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.26% · Tier avg: 22.39%
25
25th pctile
Delinquency Rate
Current: 1.19% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
38
38th pctile
Efficiency Ratio
Current: 70.87% · Tier avg: 67.73%
46
46th pctile
Total Loans
Current: $108.2M · Tier avg: $139.2M
49
49th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
50
50th pctile
Total Assets
Current: $195.2M · Tier avg: $217.5M
52
52th pctile
Total Deposits
Current: $173.1M · Tier avg: $183.7M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.48% · Tier avg: 8.85%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.49% · Tier avg: 74.53%
92
92th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.56%