FARMERS STATE BANK & TRUST CO.

MOUNT STERLING, IL | Small | Est. June 1, 1914, midnight | FDIC #10458 | RSSD #510947 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK & TRUST CO. is asn small FDIC-insured commercial bank headquartered in MOUNT STERLING, IL, established in June 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $134M and total deposits of $122M. Profitability stands at 1.25% ROA and 15.40% ROE, with a net interest margin of 4.04%. The bank's CET1 capital ratio is 12.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.09% and a Texas Ratio of 0.68%. FDIC Certificate #10458.

Assets

$134M

Deposits

$122M

Loans

$92M

Equity

$11M

Profitability

Return on Assets (ROA) 1.25%
Return on Equity (ROE) 15.40%
Net Interest Margin (NIM) 4.04%
Yield on Assets 5.84%
Cost of Funds 1.82%

Asset Quality

NPL Ratio 0.09%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.68%
NPA Ratio 0.06%
ACL / Loans 1.18%

Capital & Liquidity

CET1 Ratio 12.39%
Tier 1 Capital 12.39%
Total Capital Ratio 13.55%
Leverage Ratio 8.88%
Loan-to-Deposit 75.37%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required