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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

$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