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Farmers State Bank Of Emden
Emden, IL · FDIC Certificate #10077 · Chartered 05/2
Total assets
$37.77M
Total deposits
$26.35M
Total equity
$11.25M
Net loans
$12.36M
Branches (offices)
1
Net income (YTD)
$222.00K
Rank: #4,111 of 4,213 U.S. banks by assets · #305 of 322 in Illinois. Assets changed -1.3% and deposits -3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 3.98% |
| Net interest margin (YTD) | 3.60% |
| Equity to assets | 29.78% |
| Tier 1 leverage ratio | 29.58% |
| Uninsured deposits (share of deposits) | 28.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 46.9% |
| Real estate loans (share of loans) | 31.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $3.93M | 31.8% | |
| Commercial & industrial | $1.11M | 9.0% | |
| Consumer / individual | $476.00K | 3.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $6.95M | 56.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $39.55M | $29.52M | $73.00K | $9.91M |
| Jun 2023 | $41.83M | $31.42M | $248.00K | $10.23M |
| Jun 2024 | $37.57M | $26.85M | $192.00K | $10.57M |
| Jun 2025 | $38.26M | $27.18M | $259.00K | $10.89M |
| Jun 2026 | $37.77M | $26.35M | $222.00K | $11.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $26.35M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $26.35M.
Similar-sized banks
The First National Bank At St. James ($37.88M) · State Bank Of Nauvoo ($37.72M)
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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