Farmers State Bank of Alto Pass, ILL.: 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: 39.36 percentage points lower than in Q1 2026, at 41.93%. On return on assets, Farmers State Bank of Alto Pass, ILL. ranks 29th highest among the 323 banks headquartered in Illinois, at 1.98% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Farmers State Bank of Alto Pass, ILL. reported 1.98% on return on assets in Q2 2026, 0.74 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.25% |
| Tier 1 risk-based capital ratio | 12.25% |
| Total risk-based capital ratio | 13.37% |
| Tier 1 leverage ratio | 9.51% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.46% |
| Non-performing assets ratio | 2.14% |
| Net charge-off ratio | 0.86% |
| Texas ratio | 20.40% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 41.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.98% |
| Return on equity | 21.05% |
| Net interest margin | 5.69% |
| Efficiency ratio | 62.61% |
| Yield on earning assets | 6.99% |
| Cost of funds | 1.35% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.85% |
| Core deposits to total deposits | 93.52% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.72% |
| Securities to assets | 6.55% |
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 | 10.87% | 10.87% | 11.90% | 8.88% | 1.70% |
| Q4 2023 | 10.52% | 10.52% | 11.49% | 8.49% | 0.63% |
| Q1 2024 | 10.89% | 10.89% | 11.84% | 8.97% | 2.11% |
| Q2 2024 | 10.83% | 10.83% | 11.80% | 8.89% | 1.23% |
| Q3 2024 | 10.72% | 10.72% | 11.71% | 9.04% | 1.62% |
| Q4 2024 | 10.47% | 10.47% | 11.51% | 8.80% | 0.38% |
| Q1 2025 | 10.51% | 10.51% | 11.58% | 8.72% | 1.21% |
| Q2 2025 | 10.71% | 10.71% | 11.79% | 8.49% | 1.72% |
| Q3 2025 | 11.20% | 11.20% | 12.44% | 8.99% | 1.22% |
| Q4 2025 | 11.81% | 11.81% | 13.00% | 9.15% | 2.30% |
| Q1 2026 | 12.18% | 12.18% | 13.29% | 9.40% | 2.33% |
| Q2 2026 | 12.25% | 12.25% | 13.37% | 9.51% | 1.98% |
Farmers State Bank of Alto Pass, ILL. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Alto Pass, ILL., 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 of Alto Pass, ILL. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11299) · FFIEC NIC profile (RSSD 856346)