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Farmers State Bank
Elmwood, IL · FDIC Certificate #12107 · Chartered 12/0
Total assets
$66.90M
Total deposits
$58.52M
Total equity
$2.62M
Net loans
$33.77M
Branches (offices)
1
Net income (YTD)
$190.00K
Rank: #3,927 of 4,213 U.S. banks by assets · #285 of 322 in Illinois. Assets changed 6.8% and deposits 5.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.56% |
| Return on equity | 16.40% |
| Net interest margin (YTD) | 3.36% |
| Equity to assets | 3.91% |
| Tier 1 leverage ratio | 8.18% |
| Uninsured deposits (share of deposits) | 10.3% |
| Noncurrent loans (share of loans) | 4.30% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 57.7% |
| Real estate loans (share of loans) | 74.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $24.98M | 74.0% | |
| Commercial & industrial | $2.39M | 7.1% | |
| Consumer / individual | $433.00K | 1.3% | |
| Construction & development | $1.70M | 5.0% | |
| Agricultural | $6.39M | 18.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $59.84M | $56.27M | $64.00K | $717.00K |
| Jun 2023 | $62.89M | $56.02M | $200.00K | $970.00K |
| Jun 2024 | $68.11M | $58.64M | $40.00K | $1.50M |
| Jun 2025 | $62.65M | $55.61M | $22.00K | $1.50M |
| Jun 2026 | $66.90M | $58.52M | $190.00K | $2.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $58.52M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $58.52M.
Similar-sized banks
Farmers & Traders Bank Of Campton ($67.25M) · Oklahoma State Bank ($66.69M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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