Farmers State Bank: 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 Reserve coverage of non-performing loans: 482.37 percentage points higher than in Q1 2026, at 2904.71%. On return on assets, Farmers State Bank ranks 23rd highest among the 323 banks headquartered in Illinois, at 2.12% (Q2 2026). Farmers State Bank's return on assets of 2.12% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.87 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.61% |
| Tier 1 risk-based capital ratio | 18.61% |
| Total risk-based capital ratio | 19.52% |
| Tier 1 leverage ratio | 15.02% |
| Equity capital to assets | 15.22% |
| Tangible equity to tangible assets | 15.22% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.03% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.01% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 2904.71% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.12% |
| Return on equity | 14.43% |
| Net interest margin | 4.47% |
| Efficiency ratio | 48.51% |
| Yield on earning assets | 5.82% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.83% |
| Core deposits to total deposits | 93.59% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.09% |
| Securities to assets | 11.33% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.07% | 18.07% | 18.88% | 14.99% | 1.87% |
| Q4 2023 | 17.39% | 17.39% | 18.18% | 14.49% | 1.76% |
| Q1 2024 | 18.16% | 18.16% | 19.01% | 14.74% | 1.98% |
| Q2 2024 | 18.40% | 18.40% | 19.25% | 15.10% | 1.88% |
| Q3 2024 | 18.38% | 18.38% | 19.20% | 15.67% | 1.93% |
| Q4 2024 | 18.24% | 18.24% | 19.08% | 15.03% | 1.55% |
| Q1 2025 | 19.36% | 19.36% | 20.24% | 15.29% | 1.90% |
| Q2 2025 | 18.77% | 18.77% | 19.62% | 15.34% | 2.01% |
| Q3 2025 | 18.83% | 18.83% | 19.73% | 15.81% | 1.83% |
| Q4 2025 | 18.48% | 18.48% | 19.32% | 15.14% | 1.83% |
| Q1 2026 | 18.86% | 18.86% | 19.72% | 14.74% | 0.65% |
| Q2 2026 | 18.61% | 18.61% | 19.52% | 15.02% | 2.12% |
Farmers State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11307) · FFIEC NIC profile (RSSD 477648)