Bank of Farmington
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Data as of · sourced from FFIEC call reports. How we update
Bank of Farmington is an FDIC-insured commercial bank headquartered in Farmington, IL, established in 1903 (FDIC certificate 11732), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $240.1M, up 5.5% from Q2 2025, the 173rd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11732
- Headquarters
- Farmington, IL
- Established
- 1903
- Total assets, Q2 2026
- $240.1M
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 13.96%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071105882
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Farmington call report
- Holding company
- FARMINGTON BANCORP, INC.
- Asset rank in state
- 173rd of 319 in Illinois
Bank of Farmington spends more to run itself than most banks of its size. The Farmington, Illinois bank had $240 million in assets at June 30, 2026, up 5.5% from a year earlier. It earns about $0.50 a year on every $100 of assets, about a third the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 79 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.20% of loans from 2.18%. Its $26 million non-owner-occupied commercial real estate book is improving, with 1.15% past due or on nonaccrual, down from 15.20% a year earlier. Credit is the area to watch: it carries problem assets equal to 11.6% of the capital and reserves that would absorb them, 4.4 times the median of 2.6% for banks its size.
As of June 30, 2026, Bank of Farmington reported a CET1 capital ratio of 13.96%, a return on assets of 0.50%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 11.59%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Bank of Farmington is the 173rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.7% to $240.1M, loans rose 0.8% and deposits rose 1.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 18.0% of total loans, followed by 1-4 family residential loans at 17.7%. Its 6 offices in the FDIC Summary of Deposits are in 5 cities in IL; its Farmington 2 offices book 55% of its branch deposits. Judged on its Q2 2026 call report, Bank of Farmington meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 16 N Main St, Farmington, IL 61531
- County
- Fulton
- Metro Area
- Canton, IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1903
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $211.7M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $252K
- Average total assets
- $233.1M
- Average total loans
- $163.5M
- Average interest-bearing deposits
- $171.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11732
- Fed RSSD
- 976534
- Website
- www.bankoffarmington.com →
- Parent Holding Company
- FARMINGTON BANCORP, INC. (RSSD 1491717)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Bank of Farmington's total assets ran between $226.0M (Q1 2024) and $240.1M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$240.1M total assets against $227.5M; $217.1M total liabilities against $206.4M.
$163.9M net loans and leases against $160.9M; $211.7M total deposits against $202.7M.
$32.9M securities against $30.2M; $29.0M cash and balances due against $23.3M.
$2.9M total interest income against $2.9M; $919K total interest expense against $1.0M.
$2.0M net interest income against $1.8M.
$185K total noninterest income against $151K; $1.7M total noninterest expense against $1.4M.
$45K provision for credit losses against $45K.
$291K net income against $399K.
0.50% return on assets against 0.69%; 3.63% net interest margin against 3.39%.
13.96% CET1 capital ratio against 13.60%; 10.96% tier 1 leverage ratio against 10.61%.
Inside the full Bank of Farmington terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Its closest position to the top of a national ranking is 505 of 3,640, for Texas Ratio; its furthest is 3,245 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.39% (Q4 2025) to 1.02% (Q3 2025) and its net interest margin ran from 2.98% (Q3 2024) to 3.63% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.96% | 0.50% | 0.20% | 11.59% | 3.63% |
| Q1 2026 | 13.73% | 0.39% | 1.67% | 23.77% | 3.44% |
| Q4 2025 | 13.45% | 0.39% | 1.19% | 22.60% | 3.37% |
| Q3 2025 | 13.42% | 1.02% | 2.55% | 18.09% | 3.58% |
| Q2 2025 | 13.60% | 0.69% | 2.18% | 15.56% | 3.39% |
| Q1 2025 | 13.27% | 0.50% | 1.98% | 14.16% | 3.12% |
| Q4 2024 | 13.16% | 0.51% | 0.37% | 2.77% | 3.06% |
| Q3 2024 | 13.17% | 0.48% | 0.96% | 7.06% | 2.98% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Farmington (main office) | Farmington , IL | 61531 | $117.3M |
| Bank of Farmington at Canton Branch | Canton , IL | 61520 | $31.9M |
| Bank of Farmington Branch | Peoria , IL | 61615 | $29.9M |
| Williamsfield Br | Williamsfield , IL | 61489 | $26.0M |
| West Peoria Branch | West Peoria , IL | 61604 | $6.5M |
| Bank of Farmington (main office) | Farmington , IL | 61531 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2018 | Structure Change | Acquired Laura State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 199 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 33 applications, 30 loans originated, $4.3M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Farmington
What are Bank of Farmington's total assets?
As of the Q2 2026 filing, Bank of Farmington reported total assets of $240.1 million in its FFIEC call report.
Where is Bank of Farmington headquartered?
It is headquartered in Farmington, IL, United States.
When was Bank of Farmington founded?
It was established in 1903, per the FDIC institution directory.
Is Bank of Farmington FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11732). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Farmington?
Bank of Farmington's primary federal regulator is the FDIC.
What is Bank of Farmington's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Bank of Farmington operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Farmington's Texas Ratio?
Its Texas Ratio is 11.59% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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