BanksFARMERS STATE BANK

FARMERS STATE BANK

PITTSFIELD, ILSmallEst. Jan. 26, 1889, midnightFDIC #11307RSSD #477648FDIC
Latest · 2025-12-31

FARMERS STATE BANK is an 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 4.29%. CET1 capital ratio: 18.48%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 1.76%. Operates 6 domestic branches.

Assets
$341M
Deposits
$288M
Loans
$256M
Equity
$51M

Profitability

Return on Assets (ROA)1.89%
Return on Equity (ROE)12.41%
Net Interest Margin4.29%
Yield on Assets5.72%
Cost of Funds1.67%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.15%
Texas Ratio1.76%
NPA Ratio0.27%
ACL / Loans0.89%

Capital & Liquidity

CET1 Ratio18.48%
Tier 1 Capital18.48%
Total Capital Ratio19.32%
Leverage Ratio15.14%
Loan-to-Deposit88.93%

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