Farmers State Bank of Emden
Also written as FSB of Emden
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Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank of Emden is an FDIC-insured commercial bank headquartered in Emden, IL, established in 1891 (FDIC certificate 10077), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $37.8M, down 1.3% from Q2 2025, the 302nd largest of 319 banks headquartered in Illinois.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10077
- Headquarters
- Emden, IL
- Established
- 1891
- Total assets, Q2 2026
- $37.8M
- Assets vs Q2 2025
- -1.3%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 071112817
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank of Emden Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 302nd of 319 in Illinois
Farmers State Bank of Emden carries far more capital than most banks of its size. The Emden, Illinois bank had $38 million in assets at June 30, 2026, down 1.3% from a year earlier. It funds 29.58% of its assets with Tier 1 capital, 2.3 times the median of 12.81% for the 533 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.9%).
Net income for the quarter slipped 23% from a year earlier, to $86,000. Over the same year, loans grew 5.7% and deposits shrank 3.1%. Profitability lags: it returns 3.1% a year on shareholders' equity, about a third the median of 8.6% for banks its size.
As of June 30, 2026, Farmers State Bank of Emden reported a CET1 capital ratio of 57.40%, a return on assets of 0.90%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers State Bank of Emden is the 302nd largest of the 319 banks headquartered in Illinois. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $37.8M, loans fell 7.1% and deposits fell 2.1%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 55.7% of total loans, ahead of farmland and other real estate loans at 18.1%. The FDIC Summary of Deposits lists a single office for it, in Emden, IL. By the capital ratios in its Q2 2026 call report, Farmers State Bank of Emden meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 205 Lincoln St, Emden, IL 62635
- County
- Logan
- Metro Area
- Lincoln, 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 7, Chicago
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 25, 1891
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $26.4M
- Allowance for credit losses
- $113K
- Net charge-offs (YTD)
- $3K
- Average total assets
- $38.0M
- Average total loans
- $12.7M
- Average interest-bearing deposits
- $21.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10077
- Fed RSSD
- 860231
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Farmers State Bank of Emden's total assets ran between $36.8M (Q3 2024) and $41.0M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$37.8M total assets against $38.3M; $26.5M total liabilities against $27.4M.
$12.4M net loans and leases against $11.7M; $26.4M total deposits against $27.2M.
$21.9M securities against $22.1M; $3.1M cash and balances due against $4.0M.
$379K total interest income against $371K; $56K total interest expense against $53K.
$323K net interest income against $318K.
$4K total noninterest income against $5K; $196K total noninterest expense against $180K.
$25K provision for credit losses against $6K.
$86K net income against $111K.
0.90% return on assets against 1.18%; 3.50% net interest margin against 3.48%.
57.40% CET1 capital ratio against 56.83%; 29.58% tier 1 leverage ratio against 28.91%.
Inside the full Farmers State Bank of Emden terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.59% (Q4 2024) to 1.52% (Q1 2025) and its net interest margin ran from 3.17% (Q3 2024) to 3.60% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 57.40% | 0.90% | 0.00% | 0.00% | 3.50% |
| Q1 2026 | 52.98% | 1.41% | 0.02% | 0.03% | 3.60% |
| Q4 2025 | 60.28% | 1.20% | 0.02% | 0.03% | 3.54% |
| Q3 2025 | 58.52% | 1.37% | 0.00% | 0.00% | 3.46% |
| Q2 2025 | 56.83% | 1.18% | 0.00% | 0.00% | 3.48% |
| Q1 2025 | 48.62% | 1.52% | 0.03% | 0.04% | 3.49% |
| Q4 2024 | 58.96% | 0.59% | 0.00% | 0.00% | 3.39% |
| Q3 2024 | 57.45% | 1.12% | 0.00% | 0.00% | 3.17% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| Farmers State Bank of Emden (main office) | Emden , IL | 62635 | $26.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 360 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Farmers State Bank of Emden
What are Farmers State Bank of Emden's total assets?
As of the Q2 2026 filing, Farmers State Bank of Emden reported total assets of $37.8 million in its FFIEC call report.
Where is Farmers State Bank of Emden headquartered?
It is headquartered in Emden, IL, United States.
When was Farmers State Bank of Emden founded?
It was established in 1891, per the FDIC institution directory.
Is Farmers State Bank of Emden FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10077). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers State Bank of Emden?
Farmers State Bank of Emden's primary federal regulator is the FDIC.
What is Farmers State Bank of Emden's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 57.40% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers State Bank of Emden operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers State Bank of Emden's Texas Ratio?
Its Texas Ratio is 0.00% 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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