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Farmers and Merchants State Bank of Bushnell

Bushnell, IL · Cert 11324 · Prairieland Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$86.5MAssets
$37.6MLoans
$77.6MDeposits
$8.7MEquity
Loan mix
81%RE $26.0M9%C&I $3.0M9%Consumer $3.0MQ3 2024Q2 2026
Deposit mix
76%Interest-bearing $58.9M24%Noninterest $18.7MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.70%, up 26 bps year over year; NIM at 3.65%.
  • Asset quality: problem loans at 0.00% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.49%, up 90 bps from a year ago.
  • Funding: loans stand at 48.50% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.70%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.65%+27 bps YoY

Efficiency Ratio (YTD, annualized)

53.42%-330 bps YoY

Tier 1 Leverage Ratio

10.49%+90 bps YoY

NIM

3.68%Q2 ’243.88%Q2 ’254.13%Q2 ’26+3%+8%

Non-interest income vs. expense

2.56%Q2 ’242.56%Q2 ’252.60%Q2 ’26+3%-3%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.27%1.28%1.36%1.44%1.43%1.42%1.56%1.70%+26 bps
Return on Equity18.07%18.05%17.82%18.16%17.28%16.89%16.96%17.87%-29 bps
Net Interest Margin3.29%3.24%3.24%3.38%3.48%3.44%3.52%3.65%+27 bps
Efficiency Ratio59.11%59.87%57.65%56.72%57.16%58.00%55.74%53.42%-330 bps
Non-Interest Burden1.51%1.50%1.38%1.43%1.54%1.55%1.44%1.38%-5 bps
Growth
Asset Growth (YoY)-2.17%-5.42%-0.05%1.26%-3.31%-0.52%0.33%0.38%-89 bps
Loan Growth (YoY)4.19%4.81%2.63%-0.08%-1.28%-6.92%-1.44%-4.44%-436 bps
Deposit Growth (YoY)-4.68%-6.65%-1.52%1.30%-4.65%-2.57%-1.14%-1.39%-269 bps
Asset Quality
Nonperforming Loans / Loans0.08%0.09%0.08%0.09%0.00%0.00%0.00%0.00%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.03%0.02%0.00%0.00%0.00%0.00%-2 bps
Allowance / Loans0.78%0.73%0.78%0.79%0.79%0.79%0.79%0.83%+4 bps
Allowance Coverage of NPLs9.3x8.5x9.2x9.2xn/an/an/an/an/a
Capital
Tier 1 Leverage Ratio9.39%9.11%9.45%9.58%9.76%9.65%9.93%10.49%+90 bps
Total Risk-Based Capital20.46%19.11%21.23%21.38%21.09%20.91%22.04%24.51%+314 bps
Equity / Assets8.06%7.24%8.04%8.48%9.30%9.11%9.32%10.05%+157 bps
Liquidity & Funding
Loans / Deposits50.04%51.93%49.12%50.05%51.81%49.61%48.98%48.50%-155 bps
Liquid Assets / Assets9.08%9.69%11.74%7.49%5.25%11.24%14.53%13.78%+629 bps
CRE / Total Capitaln/an/an/an/a40.34%43.32%41.92%n/an/a