Iroquois Farmers State Bank
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Data as of · sourced from FFIEC call reports. How we update
Iroquois Farmers State Bank is an FDIC-insured commercial bank headquartered in Iroquois, IL, established in 1919 (FDIC certificate 11746), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $174.5M, up 3.9% from Q2 2025, the 216th largest of 319 banks headquartered in Illinois. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.10% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11746
- Headquarters
- Iroquois, IL
- Established
- 1919
- Total assets, Q2 2026
- $174.5M
- Assets vs Q2 2025
- +3.9%
- Tier 1 leverage ratio, Q2 2026
- 9.10%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 071113751
- Latest call report
- Q2 2026, FFIEC 051 · Iroquois Farmers State Bank call report
- Holding company
- S & H HOLDINGS, INC.
- Asset rank in state
- 216th of 319 in Illinois
Problem loans are rising at Iroquois Farmers State Bank. The Iroquois, Illinois bank had $174 million in assets at June 30, 2026, up 3.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.96% of loans from 0.52% a year earlier. It carries problem assets equal to 14.6% of the capital and reserves that would absorb them, 5.5 times the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. It also funds 9.10% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $653,000, 35% above the same quarter a year earlier. Over the same year, loans grew 10.9% and deposits grew 4.9%.
As of June 30, 2026, Iroquois Farmers State Bank reported a return on assets of 1.54%, a nonperforming-loan ratio of 1.96% and a Texas ratio of 14.64%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Iroquois Farmers State Bank is the 216th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.2% to $174.5M, loans rose 9.5% and deposits rose 4.6%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 38.8% of total loans, followed by agricultural production loans at 22.7%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in IL; its Iroquois office books 37% of its branch deposits. By the capital ratios in its Q2 2026 call report, Iroquois Farmers State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 111 W Lincoln Ave, Iroquois, IL 60945
- County
- Iroquois
- 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 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1919
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 22
- Domestic deposits
- $158.7M
- Allowance for credit losses
- $499K
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $169.4M
- Average total loans
- $109.8M
- Average interest-bearing deposits
- $118.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11746
- Fed RSSD
- 1007930
- Website
- www.iroqbank.com →
- Parent Holding Company
- S & H HOLDINGS, INC. (RSSD 1205062)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Iroquois Farmers State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Iroquois Farmers State Bank's total assets ranged from $157.6M (Q2 2024) to $174.5M (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
$174.5M total assets against $168.0M; $159.6M total liabilities against $154.6M.
$113.9M net loans and leases against $102.7M; $158.7M total deposits against $151.3M.
$48.4M securities against $51.3M; $5.1M cash and balances due against $6.0M.
$2.1M total interest income against $1.9M; $472K total interest expense against $525K.
$1.6M net interest income against $1.3M.
$43K total noninterest income against $50K; $940K total noninterest expense against $821K.
$30K provision for credit losses against $28K.
$653K net income against $482K.
1.54% return on assets against 1.17%; 4.01% net interest margin against 3.45%.
9.10% tier 1 leverage ratio against 8.45%.
Inside the full Iroquois Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeIroquois Farmers State Bank rankings
Its closest position to the top of a national ranking is 324 of 3,640, for Texas Ratio; its furthest is 3,138 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.00% (Q4 2024) to 1.71% (Q1 2026) and its net interest margin ran from 2.75% (Q3 2024) to 4.01% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.10% | 1.54% | 1.96% | 14.64% | 4.01% |
| Q1 2026 | 9.04% | 1.71% | 0.63% | 4.45% | 3.99% |
| Q4 2025 | 8.33% | 1.41% | 0.58% | 4.24% | 3.73% |
| Q3 2025 | 8.33% | 1.13% | 0.61% | 4.86% | 3.58% |
| Q2 2025 | 8.45% | 1.17% | 0.52% | 4.15% | 3.45% |
| Q1 2025 | 8.65% | 1.17% | 0.60% | 4.73% | 3.28% |
| Q4 2024 | 8.32% | 1.00% | 0.55% | 5.00% | 3.01% |
| Q3 2024 | 8.30% | 1.10% | 0.46% | 4.37% | 2.75% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Iroquois Farmers State Bank (main office) | Iroquois , IL | 60945 | $58.8M |
| Ashkum Branch | Ashkum , IL | 60911 | $42.2M |
| Gilman Facility Branch | Gilman , IL | 60938 | $18.2M |
| Beaverville Facility | Beaverville , IL | 60912 | $17.1M |
| Watseka Branch | Watseka , IL | 60970 | $16.4M |
| Sheldon Branch | Sheldon , IL | 60966 | $6.0M |
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 |
|---|---|---|---|
| October 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2016 | Structure Change | Acquired Sumner National Bank of Sheldon Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 24, 2010 | Structure Change | Acquired Central Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 23, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IL, rank 250 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 Iroquois Farmers State Bank
What are Iroquois Farmers State Bank's total assets?
As of the Q2 2026 filing, Iroquois Farmers State Bank reported total assets of $174.5 million in its FFIEC call report.
Where is Iroquois Farmers State Bank headquartered?
It is headquartered in Iroquois, IL, United States.
When was Iroquois Farmers State Bank founded?
It was established in 1919, per the FDIC institution directory.
Is Iroquois Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11746). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Iroquois Farmers State Bank?
Iroquois Farmers State Bank's primary federal regulator is the FDIC.
How many branches does Iroquois Farmers State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Iroquois Farmers State Bank's Texas Ratio?
Its Texas Ratio is 14.64% 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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