Iroquois Farmers State Bank: 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 dropped 56.45 percentage points in Q2 2026, from 80.61% to 24.16%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Iroquois Farmers State Bank is 88th of 323 on return on assets, 1.54% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Iroquois Farmers State Bank sits 0.29 points higher, at 1.54% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.10% |
| Equity capital to assets | 8.54% |
| Tangible equity to tangible assets | 8.54% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.81% |
| Non-performing assets ratio | 1.19% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 14.64% |
| Allowance for credit losses to loans | 0.44% |
| Reserve coverage of non-performing loans | 24.16% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 17.63% |
| Net interest margin | 4.01% |
| Efficiency ratio | 56.17% |
| Yield on earning assets | 5.17% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.11% |
| Core deposits to total deposits | 85.18% |
| Brokered deposits to total deposits | 6.30% |
| Deposits to assets | 90.94% |
| Securities to assets | 27.75% |
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 | 10.02% | 10.02% | 10.35% | 7.18% | 0.66% |
| Q4 2023 | 10.94% | 10.94% | 11.28% | 7.27% | 0.68% |
| Q1 2024 | 10.84% | 10.84% | 11.16% | 7.58% | 0.79% |
| Q2 2024 | 11.72% | 11.72% | 12.08% | 8.02% | 0.70% |
| Q3 2024 | 11.00% | 11.00% | 11.31% | 8.30% | 1.10% |
| Q4 2024 | 11.85% | 11.85% | 12.19% | 8.32% | 1.00% |
| Q1 2025 | 12.81% | 12.81% | 13.17% | 8.65% | 1.17% |
| Q2 2025 | 12.14% | 12.14% | 12.49% | 8.45% | 1.17% |
| Q3 2025 | 11.43% | 11.43% | 11.77% | 8.33% | 1.13% |
| Q4 2025 | 12.67% | 12.67% | 13.06% | 8.33% | 1.41% |
| Q1 2026 | 13.87% | 13.87% | 14.31% | 9.04% | 1.71% |
| Q2 2026 | — | — | — | 9.10% | 1.54% |
Iroquois Farmers State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Iroquois Farmers State Bank, 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 Iroquois Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11746) · FFIEC NIC profile (RSSD 1007930)