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Farmers State Bank & Trust Co.

$100M-$1B Specialty: Commercial IL FDIC cert 10458

Mount Sterling, IL

2 branches across IL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 211 in IL.
  • Deposits +0.1% year over year ($117.9M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 1.41%.
  • Efficiency ratio 50.85% vs a 64.48% peer average.
  • Loan-to-deposit ratio 75.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL
View $100M-$1B leaderboard (IL) →

Farmers State Bank & Trust Co. has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.08% above tier average
  • + Efficiency Ratio 13.63% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 29.1% in tier
Get updates when Farmers State Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $130.2M
+0.7% YoY -0.6% QoQ
-$256.4M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Bottom 8.3% in tier
Total Loans ? $89.6M
-1.0% YoY +2.0% QoQ
-$168.8M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Bottom 14.7% in tier
Total Deposits ? $117.9M
+0.1% YoY -0.6% QoQ
-$208.8M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Bottom 11.1% in tier
Return on Assets ? 1.41%
+8.1% YoY -6.5% QoQ
+0.09% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
60%
Net Interest Margin ? 4.07%
+7.5% YoY +0.6% QoQ
+0.08% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 50.85%
-2.6% YoY +4.0% QoQ
-13.63% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
81%
Delinquency Rate ? 0.33%
+85.6% YoY -66.6% QoQ
-0.59% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
55%
Loan-to-Deposit Ratio ? 75.98%
-1.0% YoY +2.6% QoQ
-1.97% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
58%
Non-Interest-Bearing Deposit Share ? 19.10%
+13.6% YoY -7.0% QoQ
-2.93% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
41%
Nonperforming Asset Ratio ? 0.23%
+82.5% YoY -65.8% QoQ
-0.44% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 13.29%
+9.8% YoY +1.9% QoQ
-2.62% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.17%
-4.6% YoY +91.7% QoQ
-0.40% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
41%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Noninterest-Bearing 19.1%
+2.3pp YoY
-1.4pp QoQ
 -3.0pp 22.1% 20.1% 22.2% 41%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
C&I 16.9%
+1.1pp YoY
+0.7pp QoQ
 +5.4pp 11.6% 14.7% 12.5% 82%
CRE 21.1%
+0.6pp YoY
-0.6pp QoQ
 -18.5pp 39.5% 37.9% 41.4% 20%
1-4 Family 37.4%
+2.8pp YoY
+1.1pp QoQ
 +4.8pp 32.6% 28.3% 31.3% 66%
Consumer 4.4%
+0.5pp YoY
+0.1pp QoQ
 +0.3pp 4.1% 5.4% 5.0% 73%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 13.3%
+1.2pp YoY
+0.3pp QoQ
 -5.5pp 18.8% 19.9% 19.7% 31%
Leverage Ratio 9.4%
+0.6pp YoY
+0.5pp QoQ
 -2.8pp 12.2% 12.2% 12.6% 18%
Total Capital Ratio 14.5%
+1.3pp YoY
+0.3pp QoQ
 -5.4pp 19.9% 20.9% 20.8% 32%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 16
-1 (-5.9%) YoY
0 QoQ
 -43 58 228 482 5%
Assets per Employee ($) $8.1M
+7.0% YoY
-0.6% QoQ
 +$619K $7.5M $8.3M $8.8M 69%
Branch Count 2
0 YoY
0 QoQ
 -3 4 10 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
+0.2pp YoY
-0.6pp QoQ
 -0.6pp 0.9% 1.1% 1.0% 41%
Allowance Coverage 3.97x
-37.5% YoY
+210.9% QoQ
 -20.18x 24.15x 5.62x 20.23x 65%
Net Charge-off Rate (YTD) 0.0% -0.1pp 0.1% 0.1% 0.2% 48%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 17.0%
-0.1pp YoY
-1.4pp QoQ
 +4.8pp 12.2% 10.5% 11.6% 78%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 39%
Net Income ($, YTD) $928,000
+11.0% YoY
— QoQ
 -$1.6M $2.6M $11.7M $40.4M 24%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#366 of 1256 • Bottom 29.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.33%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

494
Efficiency Ratio
profitability
Value: 50.85%
Peer Median: 64.48%
#494 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (3 metrics)

2425
Total Assets
size
Value: $130.20M
Peer Median: $386.57M
#2425 of 2643 Bottom 8.3% in $100M-$1B
2350
Total Deposits
size
Value: $117.91M
Peer Median: $326.73M
#2350 of 2643 Bottom 11.1% in $100M-$1B
2255
Total Loans
size
Value: $89.59M
Peer Median: $258.35M
#2255 of 2643 Bottom 14.7% in $100M-$1B
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