The Farmers State Bank and Trust Company: 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 Loan-to-deposit ratio: 3.35 percentage points higher than in Q1 2026, at 53.53%. Within Illinois, The Farmers State Bank and Trust Company is 255th of 323 on return on assets, 0.67% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Farmers State Bank and Trust Company sits 0.59 points lower, at 0.67% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.85% |
| Equity capital to assets | 14.08% |
| Tangible equity to tangible assets | 14.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.29% |
| Non-performing assets ratio | 1.07% |
| Net charge-off ratio | 0.26% |
| Texas ratio | 7.35% |
| Allowance for credit losses to loans | 2.23% |
| Reserve coverage of non-performing loans | 97.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.67% |
| Return on equity | 4.84% |
| Net interest margin | 3.86% |
| Efficiency ratio | 81.24% |
| Yield on earning assets | 4.34% |
| Cost of funds | 0.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 53.53% |
| Core deposits to total deposits | 98.48% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.76% |
| Securities to assets | 41.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.00% | 0.57% | 2.78% | 1.48% | 0.16% |
| Q4 2023 | 12.34% | 1.15% | 3.06% | 2.13% | 0.13% |
| Q1 2024 | 12.56% | 0.73% | 2.99% | 2.18% | 0.11% |
| Q2 2024 | 12.64% | 0.98% | 3.14% | 2.22% | 0.17% |
| Q3 2024 | 13.31% | 1.14% | 3.09% | 2.64% | 0.27% |
| Q4 2024 | 12.62% | -0.63% | 3.26% | 2.61% | 0.47% |
| Q1 2025 | 12.79% | 0.91% | 3.33% | 2.29% | -0.01% |
| Q2 2025 | 12.94% | 0.27% | 3.43% | 2.29% | 0.20% |
| Q3 2025 | 13.49% | 0.59% | 3.63% | 2.32% | 0.33% |
| Q4 2025 | 13.76% | 0.55% | 3.82% | 2.26% | 0.20% |
| Q1 2026 | 13.89% | 0.62% | 3.75% | 2.38% | 0.55% |
| Q2 2026 | 13.85% | 0.67% | 3.86% | 2.29% | 0.26% |
The Farmers State Bank and Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank and Trust Company, 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 The Farmers State Bank and Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11747) · FFIEC NIC profile (RSSD 481944)