Farmers State Bank of Hoffman: 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.
Reserve coverage of non-performing loans climbed 41.50 percentage points in Q2 2026, from 867.35% to 908.84%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Farmers State Bank of Hoffman is 250th of 323 on return on assets, 0.70% 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. Farmers State Bank of Hoffman sits 0.56 points lower, at 0.70% (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 | 11.95% |
| Equity capital to assets | 9.31% |
| Tangible equity to tangible assets | 9.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.85% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 908.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.70% |
| Return on equity | 7.39% |
| Net interest margin | 3.28% |
| Efficiency ratio | 68.32% |
| Yield on earning assets | 4.67% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.08% |
| Core deposits to total deposits | 89.58% |
| Brokered deposits to total deposits | 5.35% |
| Deposits to assets | 72.47% |
| Securities to assets | 44.26% |
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 | 12.10% | 0.29% | 1.79% | 0.42% | -0.01% |
| Q4 2023 | 11.81% | -0.01% | 1.75% | 0.35% | 0.00% |
| Q1 2024 | 11.82% | 0.19% | 1.99% | 0.36% | 0.01% |
| Q2 2024 | 11.92% | 0.29% | 2.02% | 0.35% | -0.01% |
| Q3 2024 | 12.01% | 0.10% | 2.19% | 0.23% | 0.00% |
| Q4 2024 | 12.69% | -0.02% | 2.40% | 0.19% | -0.01% |
| Q1 2025 | 12.26% | 0.44% | 2.64% | 0.18% | -0.00% |
| Q2 2025 | 12.33% | 1.75% | 2.79% | 0.18% | 0.01% |
| Q3 2025 | 12.10% | 0.03% | 2.85% | 0.17% | 0.02% |
| Q4 2025 | 12.23% | 0.62% | 3.21% | 0.14% | -0.00% |
| Q1 2026 | 12.20% | 0.64% | 3.21% | 0.13% | 0.02% |
| Q2 2026 | 11.95% | 0.70% | 3.28% | 0.13% | 0.00% |
Farmers State Bank of Hoffman vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Hoffman, 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 Hoffman profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9259) · FFIEC NIC profile (RSSD 837541)