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The Farmers State Bank And Trust Company
Jacksonville, IL · FDIC Certificate #11747 · Chartered 01/0
Total assets
$210.10M
Total deposits
$180.19M
Total equity
$29.58M
Net loans
$94.30M
Branches (offices)
2
Net income (YTD)
$685.00K
Rank: #2,913 of 4,213 U.S. banks by assets · #187 of 322 in Illinois. Assets changed -3.9% and deposits -4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.65% |
| Return on equity | 4.67% |
| Net interest margin (YTD) | 3.83% |
| Equity to assets | 14.08% |
| Tier 1 leverage ratio | 13.85% |
| Uninsured deposits (share of deposits) | 14.4% |
| Noncurrent loans (share of loans) | 2.22% |
| Net charge-offs (share of loans) | 0.40% |
| Loans to deposits | 52.3% |
| Real estate loans (share of loans) | 77.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $73.34M | 77.8% | |
| Commercial & industrial | $11.62M | 12.3% | |
| Consumer / individual | $9.12M | 9.7% | |
| Construction & development | $1.98M | 2.1% | |
| Agricultural | $2.34M | 2.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $251.80M | $225.20M | $706.00K | $26.29M |
| Jun 2023 | $227.37M | $193.10M | -$517.00K | $25.77M |
| Jun 2024 | $217.55M | $189.41M | $954.00K | $27.55M |
| Jun 2025 | $218.70M | $189.43M | $661.00K | $28.50M |
| Jun 2026 | $210.10M | $180.19M | $685.00K | $29.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $180.19M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $180.19M.
Similar-sized banks
Bank Northwest ($210.29M) · The Portage County Bank ($210.08M)
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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