C
Farmers State Bank of Emden
EmdenIL
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers State Bank of Emden
Emden, IL
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Rating C
Asset Quality Index 8.70
Capitalization Index 10.00
Liquidity Index 0.90
Profitability Index 6.30
Stability Index 4.30
Company Info Farmers State Bank of Emden
Emden, IL
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FDIC Number 10077
Phone Number (217) 376-3200
Website --
Asset Quality Farmers State Bank of Emden
Emden, IL
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1-Year Asset Growth 1.74%
5-Year Asset Growth 1.64%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.47%
Balance Sheet Farmers State Bank of Emden
Emden, IL
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Total Assets 37.47M
Total Deposits 26.23M
Capital and Reserves Farmers State Bank of Emden
Emden, IL
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Capital 11.02M
Leverage Ratio 29.29
Loan Loss Reserves to Loans 0.72%
Risk-Based Capital Ratio 58.97
Liquidity Farmers State Bank of Emden
Emden, IL
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Hot Money Ratio 21.08%
Liquidity Ratio 50.92%
Profitability Farmers State Bank of Emden
Emden, IL
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5-Year Return on Average Assets 0.76%
Net Income 388.00K
Net Interest Spread 3.48%
Operating Profit to Average Assets 1.73%
Overhead Efficiency Ratio 49.55%
Return on Assets 1.36%
Return on Equity 4.78%