Farmers National Bank
Prophetstown, IL · Cert 3732 · Peer group: banks under $1B in assets in IL (n=149-151) · Prophetstown Banking Co.
National charter · OCC · 4 branches
Q2 2026
$895.7MAssets
$506.6MLoans
$637.2MDeposits
$128.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in IL (rank 27 of 149).
- Widest gap: net interest margin trails 80% of banks under $1B in assets in IL (rank 121 of 151).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.18%
Rank 58 of 151
Net Interest Margin
2.94%
Rank 121 of 151
Efficiency Ratio
44.96%
Rank 7 of 151
Equity / Assets
14.29%
Rank 20 of 151
Non-interest income vs. expense
Unfavorable gap of $10.8M · efficiency ratio beats 96% 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 | 1.18% | 0.70% | 1.03% | 1.34% | Beats 62% | 58 / 151 | | |
| Return on Equity | 8.27% | 6.74% | 9.34% | 12.94% | Beats 38% | 93 / 151 | | |
| Net Interest Margin | 2.94% | 3.02% | 3.43% | 3.83% | Beats 20% | 121 / 151 | | |
| Efficiency Ratio | 44.96% | 54.64% | 64.89% | 72.50% | Beats 96% | 7 / 151 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.23% | 0.20% | 0.66% | 1.77% | Beats 71% | 44 / 149 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 100% | 27 / 149 | | |
| Capital |
| Tier 1 Capital Ratio | 15.03% | 11.83% | 14.17% | 18.66% | Beats 57% | 65 / 151 | | |
| Total Risk-Based Capital Ratio | 15.03% | 12.22% | 14.54% | 19.92% | Beats 54% | 70 / 151 | | |
| Equity / Assets | 14.29% | 9.10% | 10.65% | 12.40% | Beats 87% | 20 / 151 | | |
| Liquidity & Funding |
| Loans / Deposits | 79.51% | 54.39% | 71.02% | 80.75% | 72nd pctl | 42 / 149 | | |
| Loans / Assets | 56.56% | 45.91% | 61.31% | 68.01% | 41st pctl | 89 / 151 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |