FARMERS STATE BANK OF EMDEN

EMDEN, IL | Micro | Est. May 25, 1891, midnight | FDIC #10077 | RSSD #860231 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK OF EMDEN is amn micro FDIC-insured commercial bank headquartered in EMDEN, IL, established in May 25, 1891, midnight. As of 2025-12-31, the bank reported total assets of $37M and total deposits of $26M. Profitability stands at 1.19% ROA and 4.03% ROE, with a net interest margin of 3.62%. The bank's CET1 capital ratio is 60.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10077.

Assets

$37M

Deposits

$26M

Loans

$13M

Equity

$11M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 4.03%
Net Interest Margin (NIM) 3.62%
Yield on Assets 4.27%
Cost of Funds 1.03%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.69%

Capital & Liquidity

CET1 Ratio 60.28%
Tier 1 Capital 60.28%
Total Capital Ratio 60.78%
Leverage Ratio 29.72%
Loan-to-Deposit 50.97%

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