Farmers and Merchants State Bank of Bushnell
Bushnell, IL · Cert 11324 · Peer group: banks under $1B in assets in IL (n=149-151) · Prairieland Bcorp Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
$86.5MAssets
$37.6MLoans
$77.6MDeposits
$8.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IL (rank 14 of 149).
- Widest gap: equity / assets trails 61% of banks under $1B in assets in IL (rank 92 of 151).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.74%
Rank 12 of 151
Net Interest Margin
3.65%
Rank 50 of 151
Efficiency Ratio
53.42%
Rank 31 of 151
Equity / Assets
10.05%
Rank 92 of 151
Non-interest income vs. expense
Unfavorable gap of $1.2M · efficiency ratio beats 80% 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 | 1.74% | 0.70% | 1.03% | 1.34% | Beats 92% | 12 / 151 | | |
| Return on Equity | 17.31% | 6.74% | 9.34% | 12.94% | Beats 95% | 8 / 151 | | |
| Net Interest Margin | 3.65% | 3.02% | 3.43% | 3.83% | Beats 67% | 50 / 151 | | |
| Efficiency Ratio | 53.42% | 54.64% | 64.89% | 72.50% | Beats 80% | 31 / 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 | 23.72% | 11.83% | 14.17% | 18.66% | Beats 87% | 19 / 151 | | |
| Total Risk-Based Capital Ratio | 24.51% | 12.22% | 14.54% | 19.92% | Beats 87% | 20 / 151 | | |
| Equity / Assets | 10.05% | 9.10% | 10.65% | 12.40% | Beats 39% | 92 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 48.50% | 54.39% | 71.02% | 80.75% | 12th pctl | 131 / 149 | | |
| Loans / Assets | 43.52% | 45.91% | 61.31% | 68.01% | 16th pctl | 127 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |