Bank Safety Analysis
Is Farmers & Merchants Bank of Hutsonville Safe? Hutsonville, Illinois
Based on its Q3 2026 call report, Farmers & Merchants Bank of Hutsonville meets the community bank leverage ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Farmers & Merchants Bank of Hutsonville safe?
On its Q3 2026 call report, Farmers & Merchants Bank of Hutsonville's Community Bank Leverage Ratio is 18.68%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 18.68%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
Farmers & Merchants Bank of Hutsonville is an FDIC-insured commercial bank (FDIC Certificate #10469). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Farmers & Merchants Bank of Hutsonville (FDIC Certificate #10469) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Farmers & Merchants Bank of Hutsonville passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
Return on assets rose 0.36 percentage points from Q2 2026 to Q3 2026, ending at 2.22% against 1.87%. It was the largest change among the key lines on this page. Among 319 Illinois banks, Farmers & Merchants Bank of Hutsonville sits 16th from the top on leverage ratio, 18.68% as of Q3 2026. Farmers & Merchants Bank of Hutsonville reported 18.68% on leverage ratio for Q3 2026, 5.80 points above the 12.88% median for banks in the < $100M asset tier.
From Q4 2023 to Q3 2026, Farmers & Merchants Bank of Hutsonville's Texas ratio ranged between 0.00% (Q3 2026) and 3.28% (Q1 2026). Between Q3 2025 and Q3 2026, Farmers & Merchants Bank of Hutsonville's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 0.75% to 0.00%, Texas ratio fell from 2.84% to 0.00% and return on assets rose from 2.18% to 2.22%.
By total assets at Q3 2026, Farmers & Merchants Bank of Hutsonville is the 292nd largest of the 319 banks headquartered in Illinois. 1-4 family residential loans are its largest loan category, $16.5M of $37.6M in total loans on its September 30, 2026 call report. Against the 567 banks with under $100M in assets for Q3 2026, Farmers & Merchants Bank of Hutsonville's community bank leverage ratio of 18.68% is above the 12.88% median, nonperforming loans ratio of 0.00% is below the 0.36% median, Texas ratio of 0.00% is below the 1.89% median, and efficiency ratio of 39.43% is below the 69.32% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Farmers & Merchants Bank of Hutsonville's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Farmers & Merchants Bank of Hutsonville score on capital, credit and costs?
Peer cohort: Under $100M (568 banks) · Industry averages as of Q3 2026.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 12.88%.
Median of the 567 banks with under $100M in assets, Q3 2026: 0.36%.
Median of the 567 banks with under $100M in assets, Q3 2026: 1.89%.
Median of the 567 banks with under $100M in assets, Q3 2026: 69.32%.
Does Farmers & Merchants Bank of Hutsonville trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 84.68% | Within range |
| Commercial real estate to capital supervisory threshold | 2.99% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 2.25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 3.28% |
| Q4 2025 | 0.98% |
| Q3 2025 | 2.84% |
| Q2 2025 | 0.21% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.16% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- 1-4 family residential loans: $16.5M
- Owner-occupied commercial real estate loans: $5.4M
- Other consumer loans: $3.2M
- Auto loans: $2.8M
- Commercial and industrial loans: $2.3M
- Agricultural production loans: $2.1M
- Construction and land development loans: $304K
- Loans to states and political subdivisions: $243K
How have Farmers & Merchants Bank of Hutsonville's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $54.6M | 18.68% | 0.00% | 0.00% | 39.43% |
| Jun 30, 2026 | $52.0M | 18.48% | 0.00% | 0.00% | 45.78% |
| Mar 31, 2026 | $53.1M | 17.99% | 0.87% | 3.28% | 42.08% |
| Dec 31, 2025 | $52.4M | 17.56% | 0.26% | 0.98% | 113.04% |
| Sep 30, 2025 | $52.0M | 18.98% | 0.75% | 2.84% | 39.70% |
| Jun 30, 2025 | $50.3M | 18.59% | 0.05% | 0.21% | 45.53% |
| Mar 31, 2025 | $50.1M | 18.23% | 0.00% | 0.00% | 48.93% |
| Dec 31, 2024 | $50.8M | 17.47% | 0.00% | 0.00% | 125.24% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Farmers & Merchants Bank of Hutsonville FDIC insured?
Yes. Farmers & Merchants Bank of Hutsonville is an FDIC-insured commercial bank (FDIC Certificate #10469). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Farmers & Merchants Bank of Hutsonville well capitalized?
On its Q3 2026 call report, Farmers & Merchants Bank of Hutsonville's Community Bank Leverage Ratio is 18.68%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Farmers & Merchants Bank of Hutsonville's key safety ratios?
For Q3 2026, Farmers & Merchants Bank of Hutsonville reports leverage 18.68%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 1.89% median for the 567 banks with under $100M in assets.
What happens to my deposits if Farmers & Merchants Bank of Hutsonville fails?
For Q3 2026, Farmers & Merchants Bank of Hutsonville reported $44.4M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Farmers & Merchants Bank of Hutsonville profile.
How we score this
Farmers & Merchants Bank of Hutsonville elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Farmers & Merchants Bank of Hutsonville is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 10469) · FFIEC NIC profile (RSSD 724940)
Explore: Full Farmers & Merchants Bank of Hutsonville profile · Other banks in IL · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.