Farmers State Bank
Elmwood, IL · Cert 12107 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Elmwood Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$66.9MAssets
$34.2MLoans
$58.5MDeposits
$2.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 64% of banks under $1B in assets operating in a single state (rank 274 of 743).
- Widest gap: equity / assets trails 99% of banks under $1B in assets operating in a single state (rank 741 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.45%
Rank 640 of 746
Net Interest Margin
3.05%
Rank 598 of 746
Efficiency Ratio
82.17%
Rank 639 of 746
Equity / Assets
3.91%
Rank 741 of 746
Non-interest income vs. expense
Unfavorable gap of $1.8M · efficiency ratio beats 14% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.45% | 0.72% | 1.06% | 1.45% | Beats 14% | 640 / 746 | | |
| Return on Equity | 11.41% | 6.74% | 10.51% | 13.63% | Beats 59% | 309 / 746 | | |
| Net Interest Margin | 3.05% | 3.17% | 3.68% | 4.16% | Beats 20% | 598 / 746 | | |
| Efficiency Ratio | 82.17% | 55.74% | 64.58% | 75.47% | Beats 14% | 639 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.30% | 0.09% | 0.42% | 1.07% | Beats 3% | 725 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 64% | 274 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.32% | 11.55% | 13.75% | 17.60% | Beats 55% | 336 / 746 | | |
| Total Risk-Based Capital Ratio | 15.41% | 11.71% | 14.33% | 18.43% | Beats 59% | 309 / 746 | | |
| Equity / Assets | 3.91% | 8.90% | 10.51% | 13.06% | Beats 1% | 741 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 58.43% | 61.31% | 78.27% | 90.78% | 20th pctl | 595 / 746 | | |
| Loans / Assets | 51.11% | 53.60% | 66.97% | 76.08% | 22nd pctl | 584 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |