FARMERS STATE BANK

PITTSFIELD, IL | Small | Est. Jan. 26, 1889, midnight | FDIC #11307 | RSSD #477648 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in PITTSFIELD, IL, established in Jan. 26, 1889, midnight. As of 2025-12-31, the bank reported total assets of $341M and total deposits of $288M. Profitability stands at 1.89% ROA and 12.41% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 18.48%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 1.70%. FDIC Certificate #11307.

Assets

$341M

Deposits

$288M

Loans

$256M

Equity

$51M

Profitability

Return on Assets (ROA) 1.89%
Return on Equity (ROE) 12.41%
Net Interest Margin (NIM) 4.58%
Yield on Assets 6.10%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.70%
NPA Ratio 0.26%
ACL / Loans 0.89%

Capital & Liquidity

CET1 Ratio 18.48%
Tier 1 Capital 18.48%
Total Capital Ratio 19.32%
Leverage Ratio 15.14%
Loan-to-Deposit 88.93%

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