BlastPoint's Banking Scorecard
First FSB of Mascoutah
Micro
Specialty: Commercial
IL
FDIC cert 30969
Designations: ✓ Community bank ✓ Mutual
Mascoutah, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
First FSB of Mascoutah faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.27% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.9M
+3.0% YoY
+2.5% QoQ
|
-$18.6M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$151.1M
-1.8% YoY
-0.8% QoQ
|
+$11.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$178.7M
+7.2% YoY
+3.3% QoQ
|
-$4.9M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.80%
+29.3% YoY
+1.0% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
2.82%
+12.0% YoY
+1.2% QoQ
|
-1.04% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
58.85%
-11.9% YoY
-0.7% QoQ
|
-8.87% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
2.27%
+186.8% YoY
-2.2% QoQ
|
+1.63% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
84.54%
-8.3% YoY
-4.0% QoQ
|
+10.02% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
9.72%
-1.3% YoY
+6.0% QoQ
|
-12.67% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
1.72%
+173.6% YoY
-5.4% QoQ
|
+1.27% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
15.91%
+9.6% YoY
+3.3% QoQ
|
+7.06% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.14%
+11.5% YoY
+32.1% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.72%
(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
76
76th pctile
Tier 1 Capital Ratio
Current: 15.91% · Tier avg: 8.85%
70
70th pctile
Efficiency Ratio
Current: 58.85% · Tier avg: 67.73%
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.54% · Tier avg: 74.53%
61
61th pctile
Total Loans
Current: $151.1M · Tier avg: $139.2M
54
54th pctile
Total Deposits
Current: $178.7M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $198.9M · Tier avg: $217.5M
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.72% · Tier avg: 22.39%
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
11
11th pctile
Delinquency Rate
Current: 2.27% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.72% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.27% · Tier avg: 0.64%
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.72% · Tier avg: 22.39%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
51
51th pctile
Total Assets
Current: $198.9M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $178.7M · Tier avg: $183.7M
61
61th pctile
Total Loans
Current: $151.1M · Tier avg: $139.2M
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.54% · Tier avg: 74.53%
70
70th pctile
Efficiency Ratio
Current: 58.85% · Tier avg: 67.73%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.91% · Tier avg: 8.85%