Farmers & Merchants Bank of Hutsonville
Farmers & Merchants Bank of Hutsonville is an FDIC-insured commercial bank headquartered in Hutsonville, IL, supervised by the FDIC, with $54.6M in total assets at Q3 2026, up 5.0% from Q3 2025, the 292nd largest of 319 banks headquartered in Illinois. It was established in 1920 and holds FDIC certificate 10469. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.68% at Q3 2026, above the 8% community bank leverage ratio requirement for being considered well capitalized.
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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
- 10469
- Headquarters
- Hutsonville, IL
- Established
- 1920
- Total assets, Q3 2026
- $54.6M
- Assets vs Q3 2025
- +5.0%
- Tier 1 leverage ratio, Q3 2026
- 18.68%
- Domestic offices
- 1 branch
- Routing number
- 081217919
- Safety and soundness
- Is Farmers & Merchants Bank of Hutsonville safe?
- Latest call report
- Q3 2026, FFIEC 051 · Farmers & Merchants Bank of Hutsonville call report
- Holding company
- HUTSONVILLE BANC CORP.
- Asset rank in state
- 292nd of 319 in Illinois
Farmers & Merchants Bank of Hutsonville runs leaner than most banks of its size. It reported $55 million in assets at September 30, 2026, up 5.0% from a year earlier. It spends about 39 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 526 banks with less than $100 million in assets (median 68 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.6%).
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 0.00% of loans from 0.75%. Deposits are coming in faster than loans: over the year loans rose 2.0% and deposits rose 5.1%. Funding is the softer spot: it pays an average of 2.26% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.58%).
As of September 30, 2026, Farmers & Merchants Bank of Hutsonville reported a return on assets of 2.22%, 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.
Of the 319 banks headquartered in Illinois, Farmers & Merchants Bank of Hutsonville is the 292nd largest by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets rose 4.9% to $54.6M, loans fell 0.7% and deposits rose 5.3%. The largest part of its loan book on September 30, 2026 was 1-4 family residential loans, at 43.8% of total loans, ahead of owner-occupied commercial real estate loans at 14.3%. The FDIC Summary of Deposits lists a single office for it, in Hutsonville, IL. Judged on its Q3 2026 call report, Farmers & Merchants Bank of Hutsonville meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 108 S Main St, Hutsonville, IL 62433
- County
- Crawford
- 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 8, St. Louis
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- December 20, 1920
- Domestic offices
- 1 branch
- Employees (FTE)
- 8
- Domestic deposits
- $44.4M
- Allowance for credit losses
- $104K
- Net charge-offs (YTD)
- -$14K
- Average total assets
- $54.0M
- Average total loans
- $37.9M
- Average interest-bearing deposits
- $38.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10469
- Fed RSSD
- 724940
- Parent Holding Company
- HUTSONVILLE BANC CORP. (RSSD 1096390)
Profitability
Q3 annualizedBalance Sheet
Income Statement
Operating & Funding
Watch Farmers & Merchants Bank of Hutsonville: get a note when its numbers change. Free, no card required.
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. As a community bank leverage ratio filer, Farmers & Merchants Bank of Hutsonville reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers & Merchants Bank of Hutsonville's total assets moved between a low of $50.1M (Q1 2025) and a high of $54.6M (Q3 2026) from Q4 2023 to Q3 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$54.6M total assets against $52.0M; $44.5M total liabilities against $42.3M.
$37.5M net loans and leases against $36.8M; $44.4M total deposits against $42.2M.
$5.9M securities against $5.4M; $8.4M cash and balances due against $6.9M.
$717K total interest income against $664K; $246K total interest expense against $217K.
$471K net interest income against $447K.
$38K total noninterest income against $23K; $201K total noninterest expense against $187K.
$0 provision for credit losses against $0.
$300K net income against $278K.
2.22% return on assets against 2.18%; 3.74% net interest margin against 3.78%.
18.68% tier 1 leverage ratio against 18.98%.
Inside the full Farmers & Merchants Bank of Hutsonville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from -0.88% (Q4 2024) to 2.22% (Q3 2026) and its net interest margin ran from 3.22% (Q4 2024) to 3.78% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 18.68% | 2.22% | 0.00% | 0.00% | 3.74% |
| Q2 2026 | 18.48% | 1.87% | 0.00% | 0.00% | 3.74% |
| Q1 2026 | 17.99% | 1.96% | 0.87% | 3.28% | 3.58% |
| Q4 2025 | 17.56% | -0.53% | 0.26% | 0.98% | 3.70% |
| Q3 2025 | 18.98% | 2.18% | 0.75% | 2.84% | 3.78% |
| Q2 2025 | 18.59% | 1.93% | 0.05% | 0.21% | 3.69% |
| Q1 2025 | 18.23% | 1.67% | 0.00% | 0.00% | 3.36% |
| Q4 2024 | 17.47% | -0.88% | 0.00% | 0.00% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 & Merchants Bank of Hutsonville (main office) | Hutsonville , IL | 62433 | $42.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 348 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2009 (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 & Merchants Bank of Hutsonville
What are Farmers & Merchants Bank of Hutsonville's total assets?
As of the Q3 2026 filing, Farmers & Merchants Bank of Hutsonville reported total assets of $54.6 million in its FFIEC call report.
Where is Farmers & Merchants Bank of Hutsonville headquartered?
It is headquartered in Hutsonville, IL, United States.
When was Farmers & Merchants Bank of Hutsonville founded?
It was established in 1920, per the FDIC institution directory.
Is Farmers & Merchants Bank of Hutsonville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10469). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Merchants Bank of Hutsonville?
Farmers & Merchants Bank of Hutsonville's primary federal regulator is the FDIC.
How many branches does Farmers & Merchants Bank of Hutsonville operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers & Merchants Bank of Hutsonville's Texas Ratio?
Its Texas Ratio is 0.00% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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