Farmers State Bank & Trust Co.: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 17.19 percentage points higher than in Q1 2026, at 116.57%. Farmers State Bank & Trust Co. ranks 136th of 323 Illinois banks on return on assets, in the upper half at 1.31% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers State Bank & Trust Co. sits 0.05 points higher, at 1.31% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.29% |
| Tier 1 risk-based capital ratio | 13.29% |
| Total risk-based capital ratio | 14.54% |
| Tier 1 leverage ratio | 9.37% |
| Equity capital to assets | 8.51% |
| Tangible equity to tangible assets | 8.47% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.11% |
| Non-performing assets ratio | 0.77% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 8.27% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 116.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.31% |
| Return on equity | 15.64% |
| Net interest margin | 4.07% |
| Efficiency ratio | 52.29% |
| Yield on earning assets | 5.58% |
| Cost of funds | 1.60% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.98% |
| Core deposits to total deposits | 84.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.56% |
| Securities to assets | 22.02% |
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 | 11.53% | 11.53% | 12.43% | 8.87% | 1.08% |
| Q4 2023 | 11.63% | 11.63% | 12.54% | 8.63% | 1.02% |
| Q1 2024 | 11.60% | 11.60% | 12.49% | 8.63% | 0.99% |
| Q2 2024 | 11.65% | 11.65% | 12.53% | 8.58% | 1.20% |
| Q3 2024 | 11.94% | 11.94% | 12.84% | 8.55% | 1.13% |
| Q4 2024 | 11.51% | 11.51% | 12.54% | 8.54% | 0.87% |
| Q1 2025 | 11.68% | 11.68% | 12.73% | 8.57% | 1.30% |
| Q2 2025 | 12.10% | 12.10% | 13.20% | 8.78% | 1.24% |
| Q3 2025 | 12.60% | 12.60% | 13.75% | 8.82% | 1.33% |
| Q4 2025 | 12.39% | 12.39% | 13.55% | 8.88% | 1.24% |
| Q1 2026 | 13.03% | 13.03% | 14.25% | 8.89% | 1.47% |
| Q2 2026 | 13.29% | 13.29% | 14.54% | 9.37% | 1.31% |
Farmers State Bank & Trust Co. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank & Trust Co., 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 & Trust Co. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10458) · FFIEC NIC profile (RSSD 510947)