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Farmers State Bank of Hoffman

Hoffman, IL · Cert 9259 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Farmers State Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$232.1MAssets
$114.5MLoans
$168.2MDeposits
$21.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets in the St. Louis, MO-IL area (rank 11 of 38).
  • Widest gap: net interest margin trails 75% of banks under $1B in assets in the St. Louis, MO-IL area (rank 30 of 40).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.64%

Rank 29 of 40

Net Interest Margin

3.09%

Rank 30 of 40

Efficiency Ratio

71.41%

Rank 29 of 40

Equity / Assets

9.31%

Rank 23 of 40

Non-interest income vs. expense

$0.3M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 30% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 71.41%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.64%1.04%1.26%Beats 28%29 / 40
Return on Equity6.89%6.25%9.97%13.41%Beats 28%29 / 40
Net Interest Margin3.09%3.09%3.22%3.62%Beats 25%30 / 40
Efficiency Ratio71.41%57.08%64.37%75.86%Beats 30%29 / 40
Asset Quality
Nonperforming Loans / Loans0.17%0.14%0.62%1.92%Beats 74%11 / 38
Net Charge-Offs / Loans0.01%0.00%0.01%0.09%Beats 63%15 / 38
Capital
Tier 1 Capital Ratio11.95%10.29%12.88%15.77%Beats 43%23 / 40
Total Risk-Based Capital Ratio11.95%10.64%13.30%17.01%Beats 35%26 / 40
Equity / Assets9.31%8.59%9.46%12.46%Beats 43%23 / 40
Liquidity & Funding
Loans / Deposits68.08%66.12%79.48%94.60%28th pctl29 / 40
Loans / Assets49.34%54.69%68.52%77.46%15th pctl34 / 40
Brokered Deposits / Depositsn/aNot reported for this institution