BlastPoint's Banking Scorecard
Farmers National Bank
Community
Specialty: Agricultural
IL
FDIC cert 3732
Prophetstown, IL
1484
banks in Community tier nationally
87 in IL
View Community leaderboard (IL) →
Farmers National Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.47% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 26% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$901.8M
+1.8% YoY
+1.9% QoQ
|
-$489.6M |
$1.4B
+2.0% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$499.8M
+3.1% YoY
+4.3% QoQ
|
-$475.6M |
$975.5M
+2.4% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$617.8M
-0.9% YoY
+1.2% QoQ
|
-$546.8M |
$1.2B
+1.7% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
1.16%
-6.7% YoY
+12.8% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.10%
+3.9% YoY
+1.3% QoQ
|
-0.56% |
3.66%
+9.1% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
47.33%
+4.4% YoY
-1.3% QoQ
|
-15.30% |
62.63%
-5.3% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.04%
-64.2% YoY
+435.6% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Top 10% in tier |
| Loan-to-Deposit Ratio ? |
80.91%
+4.0% YoY
+3.1% QoQ
|
-2.16% |
83.06%
+0.3% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
15.03%
+5.0% YoY
+11.2% QoQ
|
-6.01% |
21.05%
-0.9% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.03%
-56.7% YoY
+213.7% QoQ
|
-0.47% |
0.50%
+20.3% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.28%
+11.5% YoY
+36.3% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Nonperforming Asset Ratio
metric
Top 10%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Capital Thin
risk
#111 of 432 · Bottom 26% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 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
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
89
89th pctile
Efficiency Ratio
Current: 47.33% · Tier avg: 62.63%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
43
43th pctile
Total Assets
Current: $901.8M · Tier avg: $1.4B
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.91% · Tier avg: 83.06%
31
31th pctile
Total Loans
Current: $499.8M · Tier avg: $975.5M
30
30th pctile
Total Deposits
Current: $617.8M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.03% · Tier avg: 21.05%
21
21th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.66%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
Top Weaknesses
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
21
21th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.66%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.03% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Total Deposits
Current: $617.8M · Tier avg: $1.2B
31
31th pctile
Total Loans
Current: $499.8M · Tier avg: $975.5M
40
40th pctile
Loan-to-Deposit Ratio
Current: 80.91% · Tier avg: 83.06%
43
43th pctile
Total Assets
Current: $901.8M · Tier avg: $1.4B
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
89
89th pctile
Efficiency Ratio
Current: 47.33% · Tier avg: 62.63%
90
90th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%