Farmers & Merchants Bank of Hutsonville
Hutsonville, IL · Cert 10469 · Peer group: banks under $1B in assets in IL (n=149-151) · Hutsonville Banc Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
$52.0MAssets
$37.9MLoans
$42.1MDeposits
$9.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
- Widest gap: return on equity trails 58% of banks under $1B in assets in IL (rank 87 of 151).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.61%
Rank 19 of 151
Net Interest Margin
3.42%
Rank 78 of 151
Efficiency Ratio
44.06%
Rank 4 of 151
Equity / Assets
18.80%
Rank 8 of 151
Non-interest income vs. expense
Unfavorable gap of $746K · efficiency ratio beats 98% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.61% | 0.70% | 1.03% | 1.34% | Beats 87% | 19 / 151 | | |
| Return on Equity | 8.54% | 6.74% | 9.34% | 12.94% | Beats 42% | 87 / 151 | | |
| Net Interest Margin | 3.42% | 3.02% | 3.43% | 3.83% | Beats 48% | 78 / 151 | | |
| Efficiency Ratio | 44.06% | 54.64% | 64.89% | 72.50% | Beats 98% | 4 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.20% | 0.66% | 1.77% | Beats 100% | 14 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 18.48% | 11.83% | 14.17% | 18.66% | Beats 74% | 40 / 151 | | |
| Total Risk-Based Capital Ratio | 18.48% | 12.22% | 14.54% | 19.92% | Beats 72% | 43 / 151 | | |
| Equity / Assets | 18.80% | 9.10% | 10.65% | 12.40% | Beats 95% | 8 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 89.85% | 54.39% | 71.02% | 80.75% | 91st pctl | 13 / 149 | | |
| Loans / Assets | 72.81% | 45.91% | 61.31% | 68.01% | 87th pctl | 19 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |