FARMERS STATE BANK

ELMWOOD, IL | Micro | Est. Dec. 6, 1864, midnight | FDIC #12107 | RSSD #921936 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in ELMWOOD, IL, established in Dec. 6, 1864, midnight. As of 2025-12-31, the bank reported total assets of $68M and total deposits of $60M. Profitability stands at 0.40% ROA and 11.20% ROE, with a net interest margin of 3.38%. The bank's CET1 capital ratio is 13.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.69% and a Texas Ratio of 43.53%. FDIC Certificate #12107.

Assets

$68M

Deposits

$60M

Loans

$36M

Equity

$3M

Profitability

Return on Assets (ROA) 0.40%
Return on Equity (ROE) 11.20%
Net Interest Margin (NIM) 3.38%
Yield on Assets 5.14%
Cost of Funds 2.78%

Asset Quality

NPL Ratio 3.69%
Net Charge-Off Ratio 0.08%
Texas Ratio 43.53%
NPA Ratio 1.93%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 13.13%
Tier 1 Capital 13.13%
Total Capital Ratio 14.28%
Leverage Ratio 7.93%
Loan-to-Deposit 59.42%

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