The Farmers State Bank and Trust Company
Also written as FSB&T
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Data as of · sourced from FFIEC call reports. How we update
The Farmers State Bank and Trust Company is an FDIC-insured commercial bank headquartered in Jacksonville, IL, supervised by the FDIC, with $210.1M in total assets at Q2 2026, down 3.9% from Q2 2025, the 185th largest of 319 banks headquartered in Illinois. It was established in 1910 and holds FDIC certificate 11747. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.85% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11747
- Headquarters
- Jacksonville, IL
- Established
- 1910
- Total assets, Q2 2026
- $210.1M
- Assets vs Q2 2025
- -3.9%
- Tier 1 leverage ratio, Q2 2026
- 13.85%
- Domestic offices
- 2 · The Farmers State Bank and Trust Company branches FDIC institution directory, current count
- Routing number
- 081201695
- Safety and soundness
- Is The Farmers State Bank and Trust Company safe?
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers State Bank and Trust Company Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- FARMERS HOLDING COMPANY
- Asset rank in state
- 185th of 319 in Illinois
The Farmers State Bank and Trust Company, based in Jacksonville, Illinois, reported $210 million in assets at June 30, 2026, down 3.9% from a year earlier. It pays an average of 0.52% on its deposits and borrowings, about a third the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. It also lost 4.9% of its deposits over the year, lower than about 9 in 10 banks its size (median 4.1%).
Earnings jumped: net income for the quarter was $357,000, 140% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $5.4 million equal 18% of Tier 1 capital, down from 24% a year earlier. Costs are the weak spot: it spends about 81 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, The Farmers State Bank and Trust Company reported a return on assets of 0.67%, a nonperforming-loan ratio of 2.22% and a Texas ratio of 6.87%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The Farmers State Bank and Trust Company is the 185th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.0% to $210.1M, loans rose 4.1% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.5% of total loans, followed by non-owner-occupied commercial real estate loans at 22.7%. Its 2 offices in the FDIC Summary of Deposits are in Jacksonville, IL. On its Q2 2026 call report, The Farmers State Bank and Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W State St, Jacksonville, IL 62650
- County
- Morgan
- Metro Area
- Jacksonville, IL
- 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 1, 1910
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $180.2M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $191K
- Average total assets
- $214.4M
- Average total loans
- $94.4M
- Average interest-bearing deposits
- $105.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11747
- Fed RSSD
- 481944
- Website
- http://www.fsbtco.com →
- Parent Holding Company
- FARMERS HOLDING COMPANY (RSSD 1099793)
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, The Farmers State Bank and Trust Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Farmers State Bank and Trust Company's total assets moved between a low of $209.3M (Q4 2025) and a high of $228.8M (Q4 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$210.1M total assets against $218.7M; $180.5M total liabilities against $190.2M.
$94.3M net loans and leases against $97.5M; $180.2M total deposits against $189.4M.
$86.6M securities against $93.3M; $13.5M cash and balances due against $12.9M.
$2.1M total interest income against $2.1M; $236K total interest expense against $396K.
$1.9M net interest income against $1.7M.
$553K total noninterest income against $545K; $2.0M total noninterest expense against $2.0M.
$0 provision for credit losses against $0.
$357K net income against $149K.
0.67% return on assets against 0.27%; 3.86% net interest margin against 3.43%.
13.85% tier 1 leverage ratio against 12.94%.
Inside the full The Farmers State Bank and Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Farmers State Bank and Trust Company rankings
Its closest position to the top of a national ranking is 972 of 3,640, for Texas Ratio; its furthest is 3,286 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.63% (Q4 2024) to 1.14% (Q3 2024) and its net interest margin ran from 3.09% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.85% | 0.67% | 2.22% | 6.87% | 3.86% |
| Q1 2026 | 13.89% | 0.62% | 2.33% | 6.95% | 3.75% |
| Q4 2025 | 13.76% | 0.55% | 2.23% | 7.06% | 3.82% |
| Q3 2025 | 13.49% | 0.59% | 2.30% | 7.15% | 3.63% |
| Q2 2025 | 12.94% | 0.27% | 2.33% | 7.54% | 3.43% |
| Q1 2025 | 12.79% | 0.91% | 2.21% | 7.18% | 3.33% |
| Q4 2024 | 12.62% | -0.63% | 2.56% | 8.84% | 3.26% |
| Q3 2024 | 13.31% | 1.14% | 2.64% | 10.13% | 3.09% |
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Branch Network
View all 2 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 |
|---|---|---|---|
| The Farmers State Bank and Trust Company | Jacksonville , IL | 62650 | $117.1M |
| West Morton Road Facility | Jacksonville , IL | 62650 | $63.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 222 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $193K approved, $96K average. 50.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 The Farmers State Bank and Trust Company
What are The Farmers State Bank and Trust Company's total assets?
As of the Q2 2026 filing, The Farmers State Bank and Trust Company reported total assets of $210.1 million in its FFIEC call report.
Where is The Farmers State Bank and Trust Company headquartered?
It is headquartered in Jacksonville, IL, United States.
When was The Farmers State Bank and Trust Company founded?
It was established in 1910, per the FDIC institution directory.
Is The Farmers State Bank and Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers State Bank and Trust Company?
The Farmers State Bank and Trust Company's primary federal regulator is the FDIC.
How many branches does The Farmers State Bank and Trust Company operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers State Bank and Trust Company's Texas Ratio?
Its Texas Ratio is 6.87% 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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