FARMERS STATE BANK AND TRUST COMPANY, THE

JACKSONVILLE, IL | Small | Est. Jan. 1, 1910, midnight | FDIC #11747 | RSSD #481944 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK AND TRUST COMPANY, THE is asn small FDIC-insured commercial bank headquartered in JACKSONVILLE, IL, established in Jan. 1, 1910, midnight. As of 2025-12-31, the bank reported total assets of $209M and total deposits of $180M. Profitability stands at 0.55% ROA and 4.03% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 13.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.19% and a Texas Ratio of 6.95%. FDIC Certificate #11747.

Assets

$209M

Deposits

$180M

Loans

$99M

Equity

$29M

Profitability

Return on Assets (ROA) 0.55%
Return on Equity (ROE) 4.03%
Net Interest Margin (NIM) 3.76%
Yield on Assets 4.27%
Cost of Funds 0.54%

Asset Quality

NPL Ratio 2.19%
Net Charge-Off Ratio 0.18%
Texas Ratio 6.95%
NPA Ratio 1.04%
ACL / Loans 2.31%

Capital & Liquidity

CET1 Ratio 13.90%
Tier 1 Capital 13.90%
Total Capital Ratio 14.59%
Leverage Ratio 13.76%
Loan-to-Deposit 55.37%

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