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.
Securities to assets climbed 3.00 percentage points in Q2 2026, from 39.32% to 42.31%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Farmers State Bank is 275th of 323 on return on assets, 0.51% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Farmers State Bank sits 0.47 points lower, at 0.51% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.32% |
| Tier 1 risk-based capital ratio | 14.32% |
| Total risk-based capital ratio | 15.41% |
| Tier 1 leverage ratio | 8.18% |
| Equity capital to assets | 3.91% |
| Tangible equity to tangible assets | 3.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.58% |
| Non-performing assets ratio | 2.34% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 53.77% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 27.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.51% |
| Return on equity | 15.30% |
| Net interest margin | 3.19% |
| Efficiency ratio | 81.56% |
| Yield on earning assets | 4.70% |
| Cost of funds | 1.70% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 58.43% |
| Core deposits to total deposits | 91.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.47% |
| Securities to assets | 42.31% |
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 | 12.81% | 12.81% | 13.92% | 8.29% | 0.22% |
| Q4 2023 | 13.20% | 13.20% | 14.33% | 8.29% | 0.47% |
| Q1 2024 | 14.11% | 14.11% | 15.36% | 8.25% | 0.19% |
| Q2 2024 | 13.28% | 13.28% | 14.42% | 8.10% | 0.03% |
| Q3 2024 | 12.51% | 12.51% | 13.56% | 7.55% | -1.27% |
| Q4 2024 | 12.64% | 12.64% | 13.83% | 7.38% | 0.32% |
| Q1 2025 | 12.79% | 12.79% | 14.01% | 7.65% | -0.08% |
| Q2 2025 | 13.30% | 13.30% | 14.54% | 8.27% | 0.22% |
| Q3 2025 | 13.09% | 13.09% | 14.25% | 7.93% | 0.31% |
| Q4 2025 | 12.23% | 12.23% | 13.22% | 7.34% | -1.98% |
| Q1 2026 | 12.56% | 12.56% | 13.56% | 7.34% | 0.54% |
| Q2 2026 | 14.32% | 14.32% | 15.41% | 8.18% | 0.51% |
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 12107) · FFIEC NIC profile (RSSD 921936)