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Farmers State Bank & Trust Co.
Mount Sterling, IL · FDIC Certificate #10458 · Chartered 06/0
Total assets
$130.20M
Total deposits
$117.91M
Total equity
$11.07M
Net loans
$89.59M
Branches (offices)
2
Net income (YTD)
$928.00K
Rank: #3,459 of 4,213 U.S. banks by assets · #244 of 322 in Illinois. Assets changed 0.7% and deposits 0.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.41% |
| Return on equity | 17.03% |
| Net interest margin (YTD) | 4.07% |
| Equity to assets | 8.51% |
| Tier 1 leverage ratio | 9.37% |
| Uninsured deposits (share of deposits) | 14.5% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 76.0% |
| Real estate loans (share of loans) | 74.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.50M | 74.2% | |
| Commercial & industrial | $15.17M | 16.9% | |
| Consumer / individual | $3.92M | 4.4% | |
| Construction & development | $1.04M | 1.2% | |
| Agricultural | $5.16M | 5.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $112.89M | $103.29M | $573.00K | $8.37M |
| Jun 2023 | $113.78M | $103.74M | $657.00K | $8.48M |
| Jun 2024 | $126.00M | $115.39M | $686.00K | $9.19M |
| Jun 2025 | $129.26M | $117.85M | $836.00K | $9.98M |
| Jun 2026 | $130.20M | $117.91M | $928.00K | $11.07M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $117.91M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $117.91M.
Similar-sized banks
California Business Bank ($130.47M) · 1St Equity Bank ($130.02M)
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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