Farmers State Bank of Medora
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Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank of Medora is an FDIC-insured commercial bank headquartered in Medora, IL, established in 1912 (FDIC certificate 13902), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $20.4M, up 3.4% from Q2 2025, the 316th largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 28.80% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13902
- Headquarters
- Medora, IL
- Established
- 1912
- Total assets, Q2 2026
- $20.4M
- Assets vs Q2 2025
- +3.4%
- CET1 ratio, Q2 2026
- 28.80%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 081917662
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank of Medora call report
- Asset rank in state
- 316th of 319 in Illinois
Problem loans are rising at Farmers State Bank of Medora. Its balance sheet stood at $20 million at June 30, 2026, up 3.4% from a year earlier; it is based in Medora, Illinois. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.70% of loans from 0.22% a year earlier. It keeps 3.01 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 533 banks with less than $100 million in assets (median 3.91 cents). On the other hand, it pays an average of 0.91% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.53%).
Delinquency has appeared in its $3.6 million commercial and industrial book: 5.35% of those loans are past due or on nonaccrual, against almost none a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $1.0 million equal 34% of Tier 1 capital, down from 46% a year earlier. Costs are the weak spot: it spends about 87 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Farmers State Bank of Medora reported a CET1 capital ratio of 28.80%, a return on assets of 0.36%, a nonperforming-loan ratio of 1.70% and a Texas ratio of 5.44%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers State Bank of Medora is the 316th largest of the 319 banks headquartered in Illinois. From Q1 2026 to Q2 2026, its total assets fell 9.2% to $20.4M, loans rose 6.5% and deposits fell 10.3%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 46.0% of total loans, followed by agricultural production loans at 37.0%. The FDIC Summary of Deposits lists a single office for it, in Medora, IL. Judged on its Q2 2026 call report, Farmers State Bank of Medora meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 106 E Washington St, Medora, IL 62063
- County
- Macoupin
- Metro Area
- St. Louis, MO-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
- —
- Call Report form
- FFIEC 051
- Established
- September 9, 1912
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $17.9M
- Allowance for credit losses
- $76K
- Net charge-offs (YTD)
- -$10K
- Average total assets
- $20.0M
- Average total loans
- $7.6M
- Average interest-bearing deposits
- $13.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 17, 1934
- FDIC Cert
- 13902
- Fed RSSD
- 295646
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
From Q3 2023 to Q2 2026, Farmers State Bank of Medora's total assets ranged from $19.7M (Q2 2025) to $22.6M (Q4 2023), and it earned a profit in 3 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$20.4M total assets against $19.7M; $18.0M total liabilities against $17.6M.
$7.7M net loans and leases against $8.0M; $17.9M total deposits against $17.5M.
$9.1M securities against $10.0M; $2.9M cash and balances due against $869K.
$188K total interest income against $170K; $43K total interest expense against $36K.
$145K net interest income against $134K.
$3K total noninterest income against $2K; $133K total noninterest expense against $141K.
No provision recorded in the last 12 quarters.
$18K net income against -$5K.
0.36% return on assets against -0.09%; 3.01% net interest margin against 2.68%.
28.80% CET1 capital ratio against 29.46%; 15.51% tier 1 leverage ratio against 14.72%.
Inside the full Farmers State Bank of Medora terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.48% (Q4 2024) to 0.36% (Q2 2026) and its net interest margin ran from 2.68% (Q2 2025) to 3.01% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 28.80% | 0.36% | 1.70% | 5.44% | 3.01% |
| Q1 2026 | 22.02% | -0.19% | 1.89% | 5.69% | 2.80% |
| Q4 2025 | 28.74% | -0.09% | 0.69% | 2.10% | 2.77% |
| Q3 2025 | 25.17% | -0.26% | 0.20% | 0.67% | 2.87% |
| Q2 2025 | 29.46% | -0.09% | 0.22% | 0.83% | 2.68% |
| Q1 2025 | 29.61% | -0.42% | 0.46% | 1.67% | 2.71% |
| Q4 2024 | 29.86% | -0.48% | 3.35% | 11.74% | 2.77% |
| Q3 2024 | 30.68% | -0.15% | 0.37% | 1.13% | 2.74% |
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 Medora (main office) | Medora , IL | 62063 | $17.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 373 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 Medora
What are Farmers State Bank of Medora's total assets?
As of the Q2 2026 filing, Farmers State Bank of Medora reported total assets of $20.4 million in its FFIEC call report.
Where is Farmers State Bank of Medora headquartered?
It is headquartered in Medora, IL, United States.
When was Farmers State Bank of Medora founded?
It was established in 1912, per the FDIC institution directory.
Is Farmers State Bank of Medora FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13902). 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 Medora?
Farmers State Bank of Medora's primary federal regulator is the FDIC.
What is Farmers State Bank of Medora's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 28.80% 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 Medora 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 Medora's Texas Ratio?
Its Texas Ratio is 5.44% 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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