Farmers National Bank (Prophetstown, IL)
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Data as of · sourced from FFIEC call reports. How we update
Farmers National Bank is an FDIC-insured commercial bank headquartered in Prophetstown, IL, established in 1902 (FDIC certificate 3732), and it is supervised by the OCC. At Q2 2026 it reported total assets of $895.7M, down 0.9% from Q2 2025, the 57th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3732
- Headquarters
- Prophetstown, IL
- Established
- 1902
- Total assets, Q2 2026
- $895.7M
- Assets vs Q2 2025
- -0.9%
- Tier 1 leverage ratio, Q2 2026
- 15.03%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 071108423
- Latest call report
- Q2 2026, FFIEC 041 · Farmers National Bank call report
- Holding company
- PROPHETSTOWN BANKING CO.
- Asset rank in state
- 57th of 319 in Illinois
Farmers National Bank runs leaner than most banks of its size. The Prophetstown, Illinois bank had $896 million in assets at June 30, 2026. It spends about 42 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also funds 15.03% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $2.9 million, 36% above the same quarter a year earlier. Over the same year, loans grew 4.3% and deposits grew 1.1%. Its margin is thin by comparison: it keeps 3.31 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Farmers National Bank reported a return on assets of 1.23%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 0.81%. The figures come from its call report filed with the FFIEC.
Farmers National Bank ranks as the 57th largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.0% to $895.7M, loans were flat and deposits fell 0.2%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 51.7% of total loans, followed by agricultural production loans at 26.7%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in IL; its Geneseo office books 39% of its branch deposits. By the capital ratios in its Q2 2026 call report, Farmers National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 114 W 3rd St, Prophetstown, IL 61277
- County
- Whiteside
- Metro Area
- Sterling, IL
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 1, 1902
- Former names
- The Farmers National Bank (2014-2020)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 60
- Domestic deposits
- $637.2M
- Allowance for credit losses
- $16.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $927.2M
- Average total loans
- $503.6M
- Average interest-bearing deposits
- $549.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3732
- Fed RSSD
- 933041
- Website
- www.farmersnationalbank.bank →
- Parent Holding Company
- PROPHETSTOWN BANKING CO. (RSSD 2198563)
Profitability
Q2 annualizedBalance 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. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers National Bank's total assets moved between a low of $845.6M (Q3 2023) and a high of $913.9M (Q1 2026) 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
$895.7M total assets against $903.4M; $767.7M total liabilities against $787.4M.
$490.3M net loans and leases against $470.3M; $637.2M total deposits against $630.3M.
$288.6M securities against $299.2M; $43.4M cash and balances due against $57.7M.
$11.1M total interest income against $11.1M; $4.2M total interest expense against $4.9M.
$6.9M net interest income against $6.2M.
$672K total noninterest income against $577K; $3.3M total noninterest expense against $3.1M.
$688K provision for credit losses against $637K.
$2.9M net income against $2.1M.
1.23% return on assets against 0.91%; 3.31% net interest margin against 2.97%.
15.03% tier 1 leverage ratio against 14.36%.
Inside the full Farmers National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers National Bank rankings
Its closest position to the top of a national ranking is 262 of 3,606, for efficiency ratio; its furthest is 2,800 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.91% (Q2 2025) to 1.53% (Q4 2025) and its net interest margin ran from 2.85% (Q4 2024) to 3.31% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.03% | 1.23% | 0.23% | 0.81% | 3.31% |
| Q1 2026 | 14.87% | 1.05% | 1.22% | 4.41% | 3.21% |
| Q4 2025 | 14.89% | 1.53% | 0.04% | 0.16% | 3.23% |
| Q3 2025 | 14.71% | 1.09% | 0.01% | 0.05% | 3.07% |
| Q2 2025 | 14.36% | 0.91% | 0.09% | 0.37% | 2.97% |
| Q1 2025 | 14.45% | 0.99% | 0.45% | 1.73% | 2.89% |
| Q4 2024 | 14.32% | 1.39% | 0.10% | 0.41% | 2.85% |
| Q3 2024 | 14.71% | 1.18% | 0.20% | 0.69% | 2.90% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Geneseo Office | Geneseo , IL | 61254 | $249.6M |
| Farmers National Bank (main office) | Prophetstown , IL | 61277 | $217.6M |
| The Farmers National Park of Prophetstown | Morrison , IL | 61270 | $131.0M |
| Mount Carroll Branch | Mount Carroll , IL | 61053 | $38.9M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- December 16, 2009, OCC: Formal Agreement: The Farmers National Bank of Prophetstown
- Period: Most recent institution action December 16, 2009. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 86 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 108 applications, 103 loans originated, $13.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, 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 National Bank
What are Farmers National Bank's total assets?
As of the Q2 2026 filing, Farmers National Bank reported total assets of $895.7 million in its FFIEC call report.
Where is Farmers National Bank headquartered?
It is headquartered in Prophetstown, IL, United States.
When was Farmers National Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Farmers National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3732). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers National Bank?
Farmers National Bank's primary federal regulator is the OCC.
How many branches does Farmers National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers National Bank's Texas Ratio?
Its Texas Ratio is 0.81% 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.
What was Farmers National Bank previously called?
The charter now named Farmers National Bank has also operated as The Farmers National Bank (2014-2020), per FDIC structure-change records.
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