Farmers State Bank of Medora: 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 420.00 percentage points in Q2 2026, from 1100.00% to 1520.00%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Farmers State Bank of Medora is 288th of 323 on return on assets, 0.36% as of Q2 2026, below the middle of the field. Farmers State Bank of Medora's return on assets of 0.36% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.62 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 28.80% |
| Tier 1 risk-based capital ratio | 28.80% |
| Total risk-based capital ratio | 29.51% |
| Tier 1 leverage ratio | 15.51% |
| Equity capital to assets | 11.55% |
| Tangible equity to tangible assets | 11.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | -0.53% |
| Texas ratio | 5.44% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 1520.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.36% |
| Return on equity | 3.06% |
| Net interest margin | 3.01% |
| Efficiency ratio | 86.60% |
| Yield on earning assets | 3.88% |
| Cost of funds | 0.91% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.43% |
| Core deposits to total deposits | 96.65% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.82% |
| Securities to assets | 44.92% |
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 | 28.44% | 28.44% | 29.15% | 14.03% | 0.72% |
| Q4 2023 | 30.51% | 30.51% | 31.26% | 15.08% | 0.32% |
| Q1 2024 | 30.30% | 30.30% | 31.03% | 14.46% | -0.07% |
| Q2 2024 | 30.64% | 30.64% | 31.30% | 14.99% | -0.28% |
| Q3 2024 | 30.68% | 30.68% | 31.35% | 15.03% | -0.15% |
| Q4 2024 | 29.86% | 29.86% | 30.52% | 15.58% | -0.48% |
| Q1 2025 | 29.61% | 29.61% | 30.27% | 14.07% | -0.42% |
| Q2 2025 | 29.46% | 29.46% | 30.11% | 14.72% | -0.09% |
| Q3 2025 | 25.17% | 25.17% | 25.74% | 13.20% | -0.26% |
| Q4 2025 | 28.74% | 28.74% | 29.35% | 14.06% | -0.09% |
| Q1 2026 | 22.02% | 22.02% | 22.49% | 13.12% | -0.19% |
| Q2 2026 | 28.80% | 28.80% | 29.51% | 15.51% | 0.36% |
Farmers State Bank of Medora vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Medora, 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 Medora profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13902) · FFIEC NIC profile (RSSD 295646)