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Farmers National Bank

$100M-$1B Specialty: Agricultural IL FDIC cert 3732

Prophetstown, IL

4 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 +1.1% year over year ($637.2M on the books).
  • Delinquency rate 0.24%.
  • Return on assets 1.17%.
  • Efficiency ratio 44.96% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.94% 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 National Bank has 2 strengths but faces 5 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

  • + Efficiency Ratio 19.52% below tier average
  • + Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 16.9% in tier
  • - Credit Quality Pressure: Bottom 25.5% in tier
  • - Flatlined Growth: Bottom 35.7% in tier
  • - ROA 0.15% below tier average
  • - Net Interest Margin 0.68% below tier average
Get updates when Farmers National 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 ? $895.7M
-0.9% YoY -2.0% QoQ
+$509.1M $386.6M
+1.2% YoY
$2.4B
+4.3% YoY
$6.3B
+7.7% YoY
Top 3.9% in tier
Total Loans ? $490.3M
+4.2% YoY -0.1% QoQ
+$231.9M $258.3M
+1.7% YoY
$1.3B
+4.4% YoY
$3.2B
+9.4% YoY
Top 12.4% in tier
Total Deposits ? $637.2M
+1.1% YoY -0.2% QoQ
+$310.5M $326.7M
+0.7% YoY
$1.9B
+3.7% YoY
$4.9B
+7.3% YoY
Top 10.2% in tier
Return on Assets ? 1.17%
+19.9% YoY +9.2% QoQ
-0.15% 1.32%
+10.8% YoY
1.12%
+2.8% YoY
1.30%
+12.1% YoY
45%
Net Interest Margin ? 3.30%
+10.0% YoY +2.1% QoQ
-0.68% 3.99%
+5.0% YoY
3.68%
+7.2% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 44.96%
-6.6% YoY -4.1% QoQ
-19.52% 64.48%
-3.2% YoY
63.11%
-4.5% YoY
70.05%
+2.5% YoY
Top 9.0% in tier
Delinquency Rate ? 0.24%
+150.7% YoY -81.2% QoQ
-0.68% 0.92%
+15.7% YoY
1.19%
+6.2% YoY
0.98%
+16.3% YoY
63%
Loan-to-Deposit Ratio ? 76.94%
+3.1% YoY +0.2% QoQ
-1.01% 77.95%
+1.0% YoY
72.86%
+0.7% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 13.90%
+11.1% YoY -5.6% QoQ
-8.13% 22.03%
-0.6% YoY
20.01%
-0.1% YoY
21.98%
-0.6% YoY
21%
Nonperforming Asset Ratio ? 0.13%
+143.4% YoY -80.9% QoQ
-0.54% 0.67%
+16.4% YoY
0.81%
+6.3% YoY
0.69%
+15.8% YoY
67%
Tier 1 Capital Ratio ? 15.03%
+4.7% YoY +1.1% QoQ
-0.88% 15.91%
+1.4% YoY
17.17%
+1.3% YoY
17.09%
+0.8% YoY
66%
Non-Interest Income / Assets ? 0.15%
+16.5% YoY +105.5% QoQ
-0.42% 0.57%
+7.6% YoY
0.68%
+1.1% YoY
0.66%
+5.2% YoY
34%

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 13.9%
+1.4pp YoY
-0.8pp QoQ
 -8.2pp 22.1% 20.1% 22.2% 20%
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 6.7%
+1.4pp YoY
+0.3pp QoQ
 -4.8pp 11.6% 14.7% 12.5% 31%
CRE 5.2%
+0.1pp YoY
0.0pp QoQ
 -34.4pp 39.5% 37.9% 41.4% 1%
1-4 Family 9.1%
0.0pp YoY
+0.2pp QoQ
 -23.6pp 32.6% 28.3% 31.3% 10%
Consumer 1.0%
0.0pp YoY
+0.1pp QoQ
 -3.1pp 4.1% 5.4% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 19.9% 19.7% n/a
Leverage Ratio 15.0%
+0.7pp YoY
+0.2pp QoQ
 +2.9pp 12.2% 12.2% 12.6% 87%
Total Capital Ratio n/a n/a 19.9% 20.9% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Full-Time Employees 60
+1 (+1.7%) YoY
0 QoQ
 +1 58 228 482 63%
Assets per Employee ($) $14.9M
-2.5% YoY
-2.0% QoQ
 +$7.4M $7.5M $8.3M $8.8M 97%
Branch Count 4
0 YoY
0 QoQ
 -1 4 10 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
-1.0pp QoQ
 -0.1pp 0.3% 0.4% 0.4% 70%
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage 14.06x
-59.6% YoY
+452.1% QoQ
 -10.09x 24.15x 5.62x 20.23x 86%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IL) National Avg Tier Percentile
ROE 8.4%
+0.7pp YoY
+0.6pp QoQ
 -3.8pp 12.2% 10.5% 11.6% 28%
Cost of Funds (YTD) 2.1%
-0.3pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 74%
Net Income ($, YTD) $5.3M
+21.1% YoY
— QoQ
 +$2.7M $2.6M $11.7M $40.4M 89%

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 (3)

Credit Risk Growth

risk
#159 of 936 • Bottom 16.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#321 of 1256 • Bottom 25.5% in tier

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

Why this signature
Delinquency Rate: 0.24%
(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

Flatlined Growth

risk
#190 of 529 • Bottom 35.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.17%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

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 (4 metrics)

105
Total Assets
size
Value: $895.66M
Peer Median: $386.57M
#105 of 2643 Top 3.9% in $100M-$1B
240
Efficiency Ratio
profitability
Value: 44.96%
Peer Median: 64.48%
#240 of 2643 Top 9.0% in $100M-$1B
271
Total Deposits
size
Value: $637.20M
Peer Median: $326.73M
#271 of 2643 Top 10.2% in $100M-$1B
329
Total Loans
size
Value: $490.26M
Peer Median: $258.35M
#329 of 2643 Top 12.4% in $100M-$1B

Top Weaknesses (2 metrics)

2119
Net Interest Margin
profitability
Value: 3.30%
Peer Median: 3.99%
#2119 of 2643 Bottom 19.9% in $100M-$1B
2101
Non-Interest-Bearing Deposit Share
funding
Value: 13.90%
Peer Median: 22.03%
#2101 of 2643 Bottom 20.5% in $100M-$1B
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