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Farmers State Bank and Trust Company, The

Jacksonville, IL · Cert 11747 · Farmers Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in IL3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in IL (n=149 to 151). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

58

Q2 2024Q2 2026peer median (50)

Asset Quality

16

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

9

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers State Bank and Trust Company, The

Jacksonville, IL · Cert 11747 · Farmers Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$210.1MAssets
$96.5MLoans
$180.2MDeposits
$29.6MEquity
Loan mix
77%RE $69.8M13%C&I $11.5M10%Consumer $9.1MQ2 2025Q2 2026
Deposit mix
58%Interest-bearing $105.2M42%Noninterest $75.0MQ2 2025Q2 2026

NIM

3.74%Q2 ’243.81%Q2 ’253.83%Q2 ’26+10%+10%

Non-interest income vs. expense

3.03%Q2 ’243.31%Q2 ’253.62%Q2 ’26+7%+12%

Executive Summary

  • Earnings: ROA of 0.65%, up 6 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 2.22% of loans (-11 bps YoY), with net charge-offs at 0.40%.
  • Capital: tier 1 leverage ratio of 13.85%, up 91 bps from a year ago.
  • Funding: loans stand at 53.53% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.65%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.39%+32 bps YoY

Efficiency Ratio (YTD, annualized)

83.69%+56 bps YoY

Tier 1 Leverage Ratio

13.85%+91 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.59%0.59%0.58%0.62%0.65%+6 bps
Return on Equity4.68%4.58%4.44%4.49%4.67%-1 bps
Net Interest Margin3.08%3.21%3.30%3.35%3.39%+32 bps
Efficiency Ratio83.14%83.30%84.51%85.23%83.69%+56 bps
Non-Interest Burden2.40%2.52%2.63%2.73%2.69%+29 bps
Growth
Asset Growth (YoY)0.53%-2.97%-8.53%-2.88%-3.93%-446 bps
Loan Growth (YoY)-9.25%-9.65%-5.08%-7.72%-3.45%+581 bps
Deposit Growth (YoY)0.01%-3.64%-10.28%-3.66%-4.88%-489 bps
Asset Quality
Nonperforming Loans / Loans2.33%2.30%2.23%2.33%2.22%-11 bps
Net Charge-Offs / Loans0.10%0.18%0.18%0.56%0.40%+30 bps
Allowance / Loans2.43%2.43%2.31%2.39%2.23%-20 bps
Allowance Coverage of NPLs1.0x1.1x1.0x1.0x1.0x0.0x
Capital
Tier 1 Leverage Ratio12.94%13.49%13.76%13.89%13.85%+91 bps
Total Risk-Based Capital12.94%13.49%13.76%13.89%13.85%+91 bps
Equity / Assets13.03%13.65%13.90%13.70%14.08%+105 bps
Liquidity & Funding
Loans / Deposits52.73%52.85%55.37%50.18%53.53%+80 bps
Liquid Assets / Assets32.58%32.71%32.21%32.64%32.67%+10 bps
CRE / Total Capitaln/a130.11%133.72%117.89%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers State Bank and Trust Company, The

Jacksonville, IL · Cert 11747 · Peer group: banks under $1B in assets in IL (n=149-151) · Farmers Holding Co.

State charter, non-member · FDIC · 2 branches

Q2 2026

$210.1MAssets
$96.5MLoans
$180.2MDeposits
$29.6MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 85% of banks under $1B in assets in IL (rank 23 of 151).
  • Widest gap: efficiency ratio trails 91% of banks under $1B in assets in IL (rank 138 of 151).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

0.65%

Rank 118 of 151

Net Interest Margin

3.39%

Rank 81 of 151

Efficiency Ratio

83.69%

Rank 138 of 151

Equity / Assets

14.08%

Rank 23 of 151

Non-interest income vs. expense

$2.0M$7.8MINCOMEEXPENSE
Unfavorable gap of $5.8M · efficiency ratio beats 9% of banks under $1B in assets in IL
Bank 83.69%Peer median 64.9%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.65%0.70%1.03%1.34%Beats 22%118 / 151
Return on Equity4.63%6.74%9.34%12.94%Beats 15%129 / 151
Net Interest Margin3.39%3.02%3.43%3.83%Beats 46%81 / 151
Efficiency Ratio83.69%54.64%64.89%72.50%Beats 9%138 / 151
Asset Quality
Nonperforming Loans / Loans2.22%0.20%0.66%1.77%Beats 17%124 / 149
Net Charge-Offs / Loans0.21%0.00%0.02%0.07%Beats 14%129 / 149
Capital
Tier 1 Capital Ratio13.85%11.83%14.17%18.66%Beats 47%80 / 151
Total Risk-Based Capital Ratio13.85%12.22%14.54%19.92%Beats 43%86 / 151
Equity / Assets14.08%9.10%10.65%12.40%Beats 85%23 / 151
Liquidity & Funding
Loans / Deposits53.53%54.39%71.02%80.75%23rd pctl114 / 149
Loans / Assets45.91%45.91%61.31%68.01%25th pctl114 / 151
Brokered Deposits / Depositsn/aNot reported for this institution