C
Farmers State Bank & Trust Co.
Rating Date
October 2025
Risk Based
Capital Ratio
13.75
Leverage
Ratio
8.82
Return On
Assets
1.29%
Total
Assets
128.57M
Capital
10.65M
Total
Deposits
116.55M
Net
Income
1.28M
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Weiss Ratings Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Rating C
Asset Quality Index 7.00
Capitalization Index 6.80
Liquidity Index 1.80
Profitability Index 6.60
Stability Index 5.00
Company Info Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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FDIC Number 10458
Phone Number (217) 773-3319
Website www.fsb-tc.com
Asset Quality Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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1-Year Asset Growth 3.00%
5-Year Asset Growth 7.12%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 5.31%
Non-Performing Loans to Loans 0.09%
Balance Sheet Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Total Assets 128.57M
Total Deposits 116.55M
Capital and Reserves Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Capital 10.65M
Leverage Ratio 8.82
Loan Loss Reserves to Loans 1.17%
Risk-Based Capital Ratio 13.75
Liquidity Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Hot Money Ratio 31.21%
Liquidity Ratio 15.47%
Profitability Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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5-Year Return on Average Assets 1.14%
Net Income 1.28M
Net Interest Spread 3.73%
Operating Profit to Average Assets 1.76%
Overhead Efficiency Ratio 52.13%
Return on Assets 1.29%
Return on Equity 17.14%