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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 $9.1MQ3 2024Q2 2026
Deposit mix
58%Interest-bearing $105.2M42%Noninterest $75.0MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.67%, up 40 bps year over year; NIM at 3.47%.
  • Asset quality: problem loans at 2.22% of loans (-11 bps YoY), with net charge-offs at 0.26%.
  • 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.

Return on Assets (quarter, annualized)

0.67%+40 bps YoY

Net Interest Margin (quarter, annualized)

3.47%+36 bps YoY

Efficiency Ratio (quarter, annualized)

82.28%-815 bps YoY

Tier 1 Leverage Ratio

13.85%+91 bps YoY

NIM

3.81%Q2 ’243.82%Q2 ’253.91%Q2 ’26+8%+12%

Non-interest income vs. expense

3.19%Q2 ’243.69%Q2 ’253.70%Q2 ’26+12%-2%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.13%-0.63%0.91%0.27%0.59%0.55%0.62%0.67%+40 bps
Return on Equity8.82%-5.01%7.28%2.09%4.39%4.03%4.49%4.84%+275 bps
Net Interest Margin2.81%2.96%3.01%3.10%3.28%3.44%3.35%3.47%+36 bps
Efficiency Ratio69.92%95.66%75.45%90.43%83.61%87.75%85.23%82.28%-815 bps
Non-Interest Burden1.56%2.79%2.07%2.71%2.60%2.86%2.73%2.67%-4 bps
Growth
Asset Growth (YoY)-2.52%2.52%-1.86%0.53%-2.97%-8.53%-2.88%-3.93%-446 bps
Loan Growth (YoY)-3.74%-6.03%-8.28%-9.25%-9.65%-5.08%-7.72%-3.45%+581 bps
Deposit Growth (YoY)1.04%2.47%-2.80%0.01%-3.64%-10.28%-3.66%-4.88%-489 bps
Asset Quality
Nonperforming Loans / Loans2.64%2.56%2.21%2.33%2.30%2.23%2.33%2.22%-11 bps
Net Charge-Offs / Loans0.27%0.46%-0.01%0.20%0.34%0.19%0.56%0.26%+5 bps
Allowance / Loans2.43%2.37%2.47%2.43%2.43%2.31%2.39%2.23%-20 bps
Allowance Coverage of NPLs0.9x0.9x1.1x1.0x1.1x1.0x1.0x1.0x0.0x
Capital
Tier 1 Leverage Ratio13.31%12.62%12.79%12.94%13.49%13.76%13.89%13.85%+91 bps
Total Risk-Based Capital13.31%12.62%12.79%12.94%13.49%13.76%13.89%13.85%+91 bps
Equity / Assets13.01%12.17%12.89%13.03%13.65%13.90%13.70%14.08%+105 bps
Liquidity & Funding
Loans / Deposits56.36%52.33%52.38%52.73%52.85%55.37%50.18%53.53%+80 bps
Liquid Assets / Assets33.45%31.44%32.69%32.58%32.71%32.21%32.64%32.67%+10 bps
CRE / Total Capitaln/an/an/an/a130.11%133.72%117.89%n/an/a