Farmers and Merchants State Bank of Bushnell: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Total risk-based capital ratio climbed 2.47 percentage points in Q2 2026, from 22.04% to 24.51%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Farmers and Merchants State Bank of Bushnell is 50th of 323 on return on assets, 1.79% as of Q2 2026, above the middle of the field. Farmers and Merchants State Bank of Bushnell's return on assets of 1.79% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.81 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 23.72% |
| Tier 1 risk-based capital ratio | 23.72% |
| Total risk-based capital ratio | 24.51% |
| Tier 1 leverage ratio | 10.49% |
| Equity capital to assets | 10.05% |
| Tangible equity to tangible assets | 10.05% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.83% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.79% |
| Return on equity | 18.76% |
| Net interest margin | 3.91% |
| Efficiency ratio | 50.97% |
| Yield on earning assets | 4.42% |
| Cost of funds | 0.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 48.50% |
| Core deposits to total deposits | 97.55% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.74% |
| Securities to assets | 37.26% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.93% | 18.93% | 19.71% | 8.64% | 1.24% |
| Q4 2023 | 17.81% | 17.81% | 18.54% | 8.55% | 1.36% |
| Q1 2024 | 19.08% | 19.08% | 19.83% | 8.88% | 1.43% |
| Q2 2024 | 19.54% | 19.54% | 20.30% | 9.23% | 1.29% |
| Q3 2024 | 19.69% | 19.69% | 20.46% | 9.39% | 1.14% |
| Q4 2024 | 18.40% | 18.40% | 19.11% | 9.11% | 1.30% |
| Q1 2025 | 20.47% | 20.47% | 21.23% | 9.45% | 1.37% |
| Q2 2025 | 20.61% | 20.61% | 21.38% | 9.58% | 1.50% |
| Q3 2025 | 20.33% | 20.33% | 21.09% | 9.76% | 1.38% |
| Q4 2025 | 20.17% | 20.17% | 20.91% | 9.65% | 1.41% |
| Q1 2026 | 21.30% | 21.30% | 22.04% | 9.93% | 1.55% |
| Q2 2026 | 23.72% | 23.72% | 24.51% | 10.49% | 1.79% |
Farmers and Merchants State Bank of Bushnell vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants State Bank of Bushnell, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Merchants State Bank of Bushnell profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11324) · FFIEC NIC profile (RSSD 321330)