Farmers & Merchants Bank of Hutsonville: 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 6.81 percentage points higher than in Q1 2026, at 89.85%. Within Illinois, Farmers & Merchants Bank of Hutsonville is 39th of 323 on return on assets, 1.87% as of Q2 2026, above the middle of the field. Farmers & Merchants Bank of Hutsonville's return on assets of 1.87% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.88 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.48% |
| Equity capital to assets | 18.80% |
| Tangible equity to tangible assets | 18.80% |
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 | 0.24% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.87% |
| Return on equity | 10.23% |
| Net interest margin | 3.74% |
| Efficiency ratio | 45.78% |
| Yield on earning assets | 5.58% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.85% |
| Core deposits to total deposits | 81.62% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.03% |
| Securities to assets | 11.54% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 17.21% | 1.59% | 3.01% | 0.00% | 0.00% |
| Q4 2023 | 16.43% | -0.85% | 3.22% | 0.00% | 0.00% |
| Q1 2024 | 17.09% | 1.73% | 3.22% | 0.04% | 0.00% |
| Q2 2024 | 17.61% | 1.21% | 2.99% | 0.00% | 0.16% |
| Q3 2024 | 18.17% | 1.52% | 3.20% | 0.00% | 0.00% |
| Q4 2024 | 17.47% | -0.88% | 3.22% | 0.00% | 0.00% |
| Q1 2025 | 18.23% | 1.67% | 3.36% | 0.00% | 0.00% |
| Q2 2025 | 18.59% | 1.93% | 3.69% | 0.00% | 0.00% |
| Q3 2025 | 18.98% | 2.18% | 3.78% | 0.50% | 0.09% |
| Q4 2025 | 17.56% | -0.53% | 3.70% | 0.00% | 0.02% |
| Q1 2026 | 17.99% | 1.96% | 3.58% | 0.00% | 0.00% |
| Q2 2026 | 18.48% | 1.87% | 3.74% | 0.00% | 0.00% |
Farmers & Merchants Bank of Hutsonville vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of Hutsonville, 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 & Merchants Bank of Hutsonville profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10469) · FFIEC NIC profile (RSSD 724940)