Farmers and Merchants State Bank of Bushnell
Farmers and Merchants State Bank of Bushnell is an FDIC-insured commercial bank headquartered in Bushnell, IL, supervised by the FDIC, with $86.5M in total assets at Q2 2026, up 0.4% from Q2 2025, the 269th largest of 319 banks headquartered in Illinois. It was established in 1914 and holds FDIC certificate 11324. Its CET1 capital ratio was 23.72% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11324
- Headquarters
- Bushnell, IL
- Established
- 1914
- Total assets, Q2 2026
- $86.5M
- Assets vs Q2 2025
- +0.4%
- CET1 ratio, Q2 2026
- 23.72%
- Domestic offices
- 2 · Farmers and Merchants State Bank of Bushnell branches FDIC institution directory, current count
- Routing number
- 071105536
- Safety and soundness
- Is Farmers and Merchants State Bank of Bushnell safe?
- Latest call report
- Q2 2026, FFIEC 051 · Farmers and Merchants State Bank of Bushnell Q3 2026 call report, filed October 20, 2026 (preliminary)
- Holding company
- PRAIRIELAND BANCORP, INC.
- Asset rank in state
- 269th of 319 in Illinois
Farmers and Merchants State Bank of Bushnell is one of the more profitable banks of its size. The Bushnell, Illinois bank had $86 million in assets at June 30, 2026. It returns 18.8% a year on shareholders' equity, about double the median of 8.6% for the 533 banks with less than $100 million in assets. It also pays an average of 0.55% on its deposits and borrowings, about a third the median of 1.53% for banks its size. Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Net income for the quarter rose 21% from a year earlier, to $401,000. Over the same year, loans shrank 4.4% and deposits shrank 1.4%. Where it has less room is capital: it funds 10.49% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 12.81%).
As of June 30, 2026, Farmers and Merchants State Bank of Bushnell reported a CET1 capital ratio of 23.72%, a return on assets of 1.79%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers and Merchants State Bank of Bushnell is the 269th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 4.1% to $86.5M, loans fell 5.5% and deposits fell 4.5%. Farmland and other real estate loans made up 34.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 21.8%. The FDIC Summary of Deposits lists 2 offices for it, in Bushnell, IL. On its Q2 2026 call report, Farmers and Merchants State Bank of Bushnell meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 484 E Main St, Bushnell, IL 61422
- County
- Mcdonough
- Metro Area
- Macomb, 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $77.6M
- Allowance for credit losses
- $314K
- Net charge-offs (YTD)
- $0
- Average total assets
- $89.6M
- Average total loans
- $38.2M
- Average interest-bearing deposits
- $58.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11324
- Fed RSSD
- 321330
- SEC CIK
- 357265 → filed by PRAIRIELAND BANCORP, INC.
- Website
- www.bushnellbank.com →
- Parent Holding Company
- PRAIRIELAND BANCORP, INC. (RSSD 1206368)
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. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. 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
Farmers and Merchants State Bank of Bushnell's total assets moved between a low of $85.1M (Q2 2024) and a high of $95.0M (Q4 2023) from Q3 2023 to 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
$86.5M total assets against $86.1M; $77.8M total liabilities against $78.8M.
$37.3M net loans and leases against $39.1M; $77.6M total deposits against $78.7M.
$32.2M securities against $35.4M; $14.1M cash and balances due against $8.6M.
$945K total interest income against $877K; $109K total interest expense against $106K.
$836K net interest income against $771K.
$281K total noninterest income against $243K; $572K total noninterest expense against $566K.
$0 provision for credit losses against $0.
$401K net income against $331K.
1.79% return on assets against 1.50%; 3.91% net interest margin against 3.65%.
23.72% CET1 capital ratio against 20.61%; 10.49% tier 1 leverage ratio against 9.58%.
Inside the full Farmers and Merchants State Bank of Bushnell terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.14% (Q3 2024) to 1.79% (Q2 2026) and its net interest margin ran from 3.40% (Q3 2024) to 3.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.72% | 1.79% | 0.00% | 0.00% | 3.91% |
| Q1 2026 | 21.30% | 1.55% | 0.00% | 0.00% | 3.71% |
| Q4 2025 | 20.17% | 1.41% | 0.00% | 0.00% | 3.80% |
| Q3 2025 | 20.33% | 1.38% | 0.00% | 0.00% | 3.78% |
| Q2 2025 | 20.61% | 1.50% | 0.09% | 0.45% | 3.65% |
| Q1 2025 | 20.47% | 1.37% | 0.08% | 0.45% | 3.40% |
| Q4 2024 | 18.40% | 1.30% | 0.09% | 0.54% | 3.54% |
| Q3 2024 | 19.69% | 1.14% | 0.08% | 0.46% | 3.40% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 |
|---|---|---|---|
| Farmers and Merchants State Bank of Bushnell (main office) | Bushnell , IL | 61422 | $77.6M |
| Cole Street Branch | Bushnell , IL | 61422 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 316 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $470K approved, $470K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1994 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Farmers and Merchants State Bank of Bushnell
What are Farmers and Merchants State Bank of Bushnell's total assets?
As of the Q2 2026 filing, Farmers and Merchants State Bank of Bushnell reported total assets of $86.5 million in its FFIEC call report.
Where is Farmers and Merchants State Bank of Bushnell headquartered?
It is headquartered in Bushnell, IL, United States.
When was Farmers and Merchants State Bank of Bushnell founded?
It was established in 1914, per the FDIC institution directory.
Is Farmers and Merchants State Bank of Bushnell FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Merchants State Bank of Bushnell?
Farmers and Merchants State Bank of Bushnell's primary federal regulator is the FDIC.
What is Farmers and Merchants State Bank of Bushnell's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.72% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers and Merchants State Bank of Bushnell operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants State Bank of Bushnell's Texas Ratio?
Its Texas Ratio is 0.00% 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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