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Farmers State Bank Of Western Illinois
Alpha, IL · FDIC Certificate #11680 · Chartered 12/0
Total assets
$167.28M
Total deposits
$143.42M
Total equity
$19.39M
Net loans
$73.16M
Branches (offices)
6
Net income (YTD)
$1.00M
Rank: #3,185 of 4,213 U.S. banks by assets · #222 of 322 in Illinois. Assets changed 3.7% and deposits 2.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 10.32% |
| Net interest margin (YTD) | 3.84% |
| Equity to assets | 11.59% |
| Tier 1 leverage ratio | 14.08% |
| Uninsured deposits (share of deposits) | 20.7% |
| Noncurrent loans (share of loans) | 1.74% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 51.0% |
| Real estate loans (share of loans) | 54.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.06M | 54.8% | |
| Commercial & industrial | $10.40M | 14.2% | |
| Consumer / individual | $2.60M | 3.6% | |
| Construction & development | $175.00K | 0.2% | |
| Agricultural | $20.81M | 28.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $176.75M | $160.62M | $485.00K | $12.93M |
| Jun 2023 | $161.03M | $143.72M | $921.00K | $13.78M |
| Jun 2024 | $158.22M | $138.98M | $655.00K | $15.36M |
| Jun 2025 | $161.38M | $140.03M | $790.00K | $17.20M |
| Jun 2026 | $167.28M | $143.42M | $1.00M | $19.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $143.42M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $143.42M.
Similar-sized banks
Unb Bank ($167.33M) · Impact Bank ($167.25M)
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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