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Farmers State Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 11307

Pittsfield, IL

6 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 +2.2% year over year ($285.8M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 1.40%.
  • Efficiency ratio 66.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.97% 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 has 3 strengths but faces 3 concerns

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 0.08% above tier average
  • + Net Interest Margin 0.36% above tier average
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 13.4% in tier
  • - Liquidity Overhang: Bottom 31.0% in tier
  • - Efficiency Ratio 1.81% above tier average
Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Total Assets ? $339.8M
+2.8% YoY -5.1% QoQ
-$46.7M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
53%
Total Loans ? $254.2M
+5.0% YoY +3.3% QoQ
-$4.1M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $285.8M
+2.2% YoY -6.3% QoQ
-$41.0M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.40%
-28.7% YoY +114.3% QoQ
+0.08% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 4.34%
+0.1% YoY +4.4% QoQ
+0.36% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
72%
Efficiency Ratio ? 66.29%
+15.7% YoY -21.6% QoQ
+1.81% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
38%
Delinquency Rate ? 0.23%
-84.9% YoY -74.0% QoQ
-0.69% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 88.97%
+2.7% YoY +10.1% QoQ
+11.02% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 25.90%
+2.6% YoY -65.0% QoQ
+3.86% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
69%
Nonperforming Asset Ratio ? 0.31%
-71.9% YoY -57.8% QoQ
-0.36% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
51%
Tier 1 Capital Ratio ? 18.61%
-0.9% YoY -1.3% QoQ
+2.70% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.24%
+11.6% YoY +119.5% QoQ
-0.32% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
61%

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 25.9%
+0.7pp YoY
-48.1pp QoQ
 +3.7pp 22.1% 20.1% 22.2% 69%
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 3.0%
-0.1pp YoY
0.0pp QoQ
 -8.5pp 11.6% 14.7% 12.5% 10%
CRE n/a n/a 39.5% 37.9% 41.4% n/a
1-4 Family 3.3%
-0.9pp YoY
-0.1pp QoQ
 -29.3pp 32.6% 28.3% 31.3% 3%
Consumer 0.4%
-0.2pp YoY
-0.1pp QoQ
 -3.7pp 4.1% 5.4% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio 18.6%
-0.2pp YoY
-0.2pp QoQ
 -0.2pp 18.8% 19.9% 19.7% 72%
Leverage Ratio 15.0%
-0.3pp YoY
+0.3pp QoQ
 +2.8pp 12.2% 12.2% 12.6% 87%
Total Capital Ratio 19.5%
-0.1pp YoY
-0.2pp QoQ
 -0.4pp 19.9% 20.9% 20.8% 71%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 37
-1 (-2.6%) YoY
-1 (-2.6%) QoQ
 -22 58 228 482 37%
Assets per Employee ($) $9.2M
+5.6% YoY
-2.5% QoQ
 +$1.7M $7.5M $8.3M $8.8M 81%
Branch Count 6
0 YoY
0 QoQ
 +1 4 10 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.2%
-0.8pp YoY
-0.6pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 66%
Nonaccrual 0.0%
-0.5pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.1% 1.0% 6%
Allowance Coverage 4.25x
+615.9% YoY
+304.4% QoQ
 -19.90x 24.15x 5.62x 20.23x 66%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 41%

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 9.5%
-4.0pp YoY
+5.0pp QoQ
 -2.7pp 12.2% 10.5% 11.6% 33%
Cost of Funds (YTD) 1.4%
0.0pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.6% 1.7% 30%
Net Income ($, YTD) $2.4M
-25.2% YoY
— QoQ
 -$131K $2.6M $11.7M $40.4M 60%

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 (2)

Margin Compression

decline
#42 of 307 • Bottom 13.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.40%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Liquidity Overhang

risk
#231 of 742 • Bottom 31.0% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.61%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 88.97%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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)

453
Tier 1 Capital Ratio
capital
Value: 18.61%
Peer Median: 15.91%
#453 of 2643 Top 17.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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