FARMERS STATE BANK OF MEDORA

MEDORA, IL | Micro | Est. Sept. 9, 1912, midnight | FDIC #13902 | RSSD #295646 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK OF MEDORA is amn micro FDIC-insured commercial bank headquartered in MEDORA, IL, established in Sept. 9, 1912, midnight. As of 2025-12-31, the bank reported total assets of $21M and total deposits of $18M. Profitability stands at -0.09% ROA and -0.86% ROE, with a net interest margin of 2.83%. The bank's CET1 capital ratio is 28.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 0.45%. FDIC Certificate #13902. The institution operates 1 domestic branch.

Assets

$21M

Deposits

$18M

Loans

$7M

Equity

$2M

Profitability

Return on Assets (ROA) -0.09%
Return on Equity (ROE) -0.86%
Net Interest Margin (NIM) 2.83%
Yield on Assets 3.65%
Cost of Funds 1.25%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio 0.04%
Texas Ratio 0.45%
NPA Ratio 0.05%
ACL / Loans 0.90%

Capital & Liquidity

CET1 Ratio 28.74%
Tier 1 Capital 28.74%
Total Capital Ratio 29.35%
Leverage Ratio 14.06%
Loan-to-Deposit 39.90%

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