Farmers State Bank & Trust Co.
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Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank & Trust Co. is an FDIC-insured commercial bank headquartered in Mount Sterling, IL, established in 1914 (FDIC certificate 10458), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $130.2M, up 0.7% from Q2 2025, the 242nd largest of 319 banks headquartered in Illinois. Its CET1 capital ratio was 13.29% 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
- 10458
- Headquarters
- Mount Sterling, IL
- Established
- 1914
- Total assets, Q2 2026
- $130.2M
- Assets vs Q2 2025
- +0.7%
- CET1 ratio, Q2 2026
- 13.29%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 081218536
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank & Trust Co. call report
- Holding company
- MOUNT STERLING BANCORP, INC
- Asset rank in state
- 242nd of 319 in Illinois
Farmers State Bank & Trust Co. operates with a thinner capital cushion than most banks of its size. It reported $130 million in assets at June 30, 2026. It funds 9.37% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also shrank its loan book 0.8% over the year, lower than about three-quarters of banks its size (median 5.5%).
Delinquency has appeared in its $15 million commercial and industrial book: 1.95% of those loans are past due or on nonaccrual, against almost none a year earlier. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.33% of loans, against 0.18% a year earlier.
As of June 30, 2026, Farmers State Bank & Trust Co. reported a CET1 capital ratio of 13.29%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.43%. The figures come from its call report filed with the FFIEC.
Farmers State Bank & Trust Co. ranks as the 242nd largest of the 319 banks based in Illinois, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.6% to $130.2M, loans rose 2.0% and deposits fell 0.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 36.9% of total loans, ahead of commercial and industrial loans at 16.7%. The FDIC Summary of Deposits lists 2 offices for it, in Mount Sterling, IL. Judged on its Q2 2026 call report, Farmers State Bank & Trust Co. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 129 W Main St, Mount Sterling, IL 62353
- County
- Brown
- 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
- Limited trust powers granted
- Call Report form
- FFIEC 051
- Established
- June 1, 1914
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $117.9M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $131.2M
- Average total loans
- $88.8M
- Average interest-bearing deposits
- $95.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10458
- Fed RSSD
- 510947
- Website
- www.fsb-tc.com →
- Parent Holding Company
- MOUNT STERLING BANCORP, INC (RSSD 2735931)
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
Farmers State Bank & Trust Co.'s total assets moved between a low of $116.6M (Q3 2023) and a high of $134.1M (Q4 2025) from Q3 2023 to Q2 2026, 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
$130.2M total assets against $129.3M; $119.1M total liabilities against $119.3M.
$89.6M net loans and leases against $90.5M; $117.9M total deposits against $117.8M.
$28.7M securities against $24.5M; $6.1M cash and balances due against $8.0M.
$1.7M total interest income against $1.7M; $475K total interest expense against $559K.
$1.3M net interest income against $1.2M.
$105K total noninterest income against $115K; $724K total noninterest expense against $693K.
$70K provision for credit losses against $30K.
$429K net income against $408K.
1.31% return on assets against 1.24%; 4.07% net interest margin against 3.74%.
13.29% CET1 capital ratio against 12.10%; 9.37% tier 1 leverage ratio against 8.78%.
Inside the full Farmers State Bank & Trust Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers State Bank & Trust Co. rankings
Its closest position to the top of a national ranking is 972 of 3,606, for efficiency ratio; its furthest is 3,446 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.87% (Q4 2024) to 1.47% (Q1 2026) and its net interest margin ran from 3.35% (Q3 2024) to 4.07% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.29% | 1.31% | 0.33% | 2.43% | 4.07% |
| Q1 2026 | 13.03% | 1.47% | 0.98% | 7.30% | 3.96% |
| Q4 2025 | 12.39% | 1.24% | 0.65% | 5.09% | 3.90% |
| Q3 2025 | 12.60% | 1.33% | 0.75% | 5.84% | 3.81% |
| Q2 2025 | 12.10% | 1.24% | 0.18% | 1.47% | 3.74% |
| Q1 2025 | 11.68% | 1.30% | 0.09% | 0.75% | 3.64% |
| Q4 2024 | 11.51% | 0.87% | 0.07% | 0.65% | 3.47% |
| Q3 2024 | 11.94% | 1.13% | 0.03% | 0.78% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 & Trust Co. (main office) | Mount Sterling , IL | 62353 | $103.8M |
| Iga Branch | Mount Sterling , IL | 62353 | $14.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 2, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 2, 2010 | Structure Change | Acquired Timewell State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 281 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 & Trust Co.
What are Farmers State Bank & Trust Co.'s total assets?
As of the Q2 2026 filing, Farmers State Bank & Trust Co. reported total assets of $130.2 million in its FFIEC call report.
Where is Farmers State Bank & Trust Co. headquartered?
It is headquartered in Mount Sterling, IL, United States.
When was Farmers State Bank & Trust Co. founded?
It was established in 1914, per the FDIC institution directory.
Is Farmers State Bank & Trust Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10458). 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 & Trust Co.?
Farmers State Bank & Trust Co.'s primary federal regulator is the FDIC.
What is Farmers State Bank & Trust Co.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.29% 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 & Trust Co. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers State Bank & Trust Co.'s Texas Ratio?
Its Texas Ratio is 2.43% 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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