Banks FARMERS STATE BANK AND TRUST COMPANY, THE

FARMERS STATE BANK AND TRUST COMPANY, THE

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

FARMERS STATE BANK AND TRUST COMPANY, THE is an 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%. CET1 capital ratio: 13.90%, well above regulatory minimums. NPL ratio: 2.19% · Texas Ratio: 6.95%.

Assets
$209M
Deposits
$180M
Loans
$99M
Equity
$29M

Profitability

Return on Assets (ROA)0.55%
Return on Equity (ROE)4.03%
Net Interest Margin3.76%
Yield on Assets4.27%
Cost of Funds0.54%

Asset Quality

NPL Ratio2.19%
Net Charge-Off Ratio0.18%
Texas Ratio6.95%
NPA Ratio1.04%
ACL / Loans2.31%

Capital & Liquidity

CET1 Ratio13.90%
Tier 1 Capital13.90%
Total Capital Ratio14.59%
Leverage Ratio13.76%
Loan-to-Deposit55.37%

This is just the summary.

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