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
Unfavorable gap of $5.8M · efficiency ratio beats 9% 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 | 0.65% | 0.70% | 1.03% | 1.34% | Beats 22% | 118 / 151 | | |
| Return on Equity | 4.63% | 6.74% | 9.34% | 12.94% | Beats 15% | 129 / 151 | | |
| Net Interest Margin | 3.39% | 3.02% | 3.43% | 3.83% | Beats 46% | 81 / 151 | | |
| Efficiency Ratio | 83.69% | 54.64% | 64.89% | 72.50% | Beats 9% | 138 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.22% | 0.20% | 0.66% | 1.77% | Beats 17% | 124 / 149 | | |
| Net Charge-Offs / Loans | 0.21% | 0.00% | 0.02% | 0.07% | Beats 14% | 129 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 13.85% | 11.83% | 14.17% | 18.66% | Beats 47% | 80 / 151 | | |
| Total Risk-Based Capital Ratio | 13.85% | 12.22% | 14.54% | 19.92% | Beats 43% | 86 / 151 | | |
| Equity / Assets | 14.08% | 9.10% | 10.65% | 12.40% | Beats 85% | 23 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 53.53% | 54.39% | 71.02% | 80.75% | 23rd pctl | 114 / 149 | | |
| Loans / Assets | 45.91% | 45.91% | 61.31% | 68.01% | 25th pctl | 114 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |