Farmers State Bank (Pittsfield, IL)
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Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank is an FDIC-insured commercial bank headquartered in Pittsfield, IL, established in 1889 (FDIC certificate 11307), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $339.8M, up 2.8% from Q2 2025, the 139th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 18.61% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11307
- Headquarters
- Pittsfield, IL
- Established
- 1889
- Total assets, Q2 2026
- $339.8M
- Assets vs Q2 2025
- +2.8%
- CET1 ratio, Q2 2026
- 18.61%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 081206373
- Holding company
- PIKE BANCORP, INC.
- Asset rank in state
- 139th of 319 in Illinois
Farmers State Bank is one of the more profitable banks of its size. The Pittsfield, Illinois bank had $340 million in assets at June 30, 2026, up 2.8% from a year earlier. It earns about $2.12 a year on every $100 of assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also funds 15.02% of its assets with Tier 1 capital, higher than about three-quarters of banks its size (median 10.99%). Much of that comes from cost control: it spends about 49 cents to bring in each dollar of revenue.
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 0.23% of loans from 1.50%. Net income for the quarter rose 11% from a year earlier, to $1.9 million.
As of June 30, 2026, Farmers State Bank reported a CET1 capital ratio of 18.61%, a return on assets of 2.12%, a nonperforming-loan ratio of 0.23% and a Texas ratio of 1.95%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Farmers State Bank is the 139th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 5.1% to $339.8M, loans rose 3.3% and deposits fell 6.3%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 54.5% of total loans, followed by agricultural production loans at 12.9%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in IL; its Pittsfield 2 offices book 61% of its branch deposits. By the capital ratios in its Q2 2026 call report, Farmers State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 108 E Adams St, Pittsfield, IL 62363
- County
- Pike
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 26, 1889
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $285.8M
- Allowance for credit losses
- $2.5M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $349.4M
- Average total loans
- $252.1M
- Average interest-bearing deposits
- $221.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11307
- Fed RSSD
- 477648
- Website
- www.farmersstate.com →
- Parent Holding Company
- PIKE BANCORP, INC. (RSSD 1118966)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Farmers State Bank's total assets ran between $310.7M (Q3 2023) and $358.1M (Q1 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
$339.8M total assets against $330.6M; $288.1M total liabilities against $281.8M.
$254.2M net loans and leases against $242.2M; $285.8M total deposits against $279.6M.
$38.5M securities against $43.2M; $35.5M cash and balances due against $35.1M.
$4.8M total interest income against $4.6M; $1.1M total interest expense against $1.1M.
$3.7M net interest income against $3.5M.
$429K total noninterest income against $344K; $2.0M total noninterest expense against $2.1M.
$228K provision for credit losses against -$11K.
$1.9M net income against $1.7M.
2.12% return on assets against 2.01%; 4.47% net interest margin against 4.42%.
18.61% CET1 capital ratio against 18.77%; 15.02% tier 1 leverage ratio against 15.34%.
Inside the full Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers State Bank rankings
Its closest position to the top of a national ranking is 378 of 3,611, for ROA; its furthest is 2,272 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.65% (Q1 2026) to 2.12% (Q2 2026) and its net interest margin ran from 3.98% (Q1 2026) to 4.50% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.61% | 2.12% | 0.23% | 1.95% | 4.47% |
| Q1 2026 | 18.86% | 0.65% | 0.87% | 4.96% | 3.98% |
| Q4 2025 | 18.48% | 1.83% | 0.03% | 1.71% | 4.35% |
| Q3 2025 | 18.83% | 1.83% | 0.48% | 2.28% | 4.50% |
| Q2 2025 | 18.77% | 2.01% | 1.50% | 7.19% | 4.42% |
| Q1 2025 | 19.36% | 1.90% | 0.52% | 2.44% | 4.22% |
| Q4 2024 | 18.24% | 1.55% | 0.51% | 2.57% | 4.19% |
| Q3 2024 | 18.38% | 1.93% | 0.09% | 0.42% | 4.45% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Farmers State Bank (main office) | Pittsfield , IL | 62363 | $174.6M |
| Winchester Branch | Winchester , IL | 62694 | $40.0M |
| Whitehall Branch | White Hall , IL | 62092 | $35.6M |
| Jerseyville Branch | Jerseyville , IL | 62052 | $21.9M |
| Hull Branch | Hull , IL | 62343 | $13.6M |
| Pittsfield Motor Branch | Pittsfield , IL | 62363 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 168 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $112K approved, $112K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2018 (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 State Bank
What are Farmers State Bank's total assets?
As of the Q2 2026 filing, Farmers State Bank reported total assets of $339.8 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Pittsfield, IL, United States.
When was Farmers State Bank founded?
It was established in 1889, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers State Bank?
Farmers State Bank's primary federal regulator is the FDIC.
What is Farmers State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.61% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers State Bank's Texas Ratio?
Its Texas Ratio is 1.95% 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.
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