FARMERS NATIONAL BANK

PROPHETSTOWN, IL | Medium | Est. July 1, 1902, midnight | FDIC #3732 | RSSD #933041 | OCC
Latest Report: 2025-12-31

FARMERS NATIONAL BANK is amn medium FDIC-insured commercial bank headquartered in PROPHETSTOWN, IL, established in July 1, 1902, midnight. As of 2025-12-31, the bank reported total assets of $902M and total deposits of $618M. Profitability stands at 1.56% ROA and 11.31% ROE, with a net interest margin of 3.21%. The bank's CET1 capital ratio is 13.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.03%. FDIC Certificate #3732.

Assets

$902M

Deposits

$618M

Loans

$516M

Equity

$124M

Profitability

Return on Assets (ROA) 1.56%
Return on Equity (ROE) 11.31%
Net Interest Margin (NIM) 3.21%
Yield on Assets 5.33%
Cost of Funds 2.36%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.03%
NPA Ratio 0.00%
ACL / Loans 3.04%

Capital & Liquidity

CET1 Ratio 13.76%
Tier 1 Capital 13.76%
Total Capital Ratio 14.45%
Leverage Ratio 14.89%
Loan-to-Deposit 83.44%

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