C
Farmers State Bank & Trust Co.
Rating Date
March 2026
Risk Based
Capital Ratio
13.55
Leverage
Ratio
8.88
Return On
Assets
1.28%
Total
Assets
134.15M
Capital
10.76M
Total
Deposits
122.00M
Net
Income
1.69M
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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 7.10
Capitalization Index 6.90
Liquidity Index 2.20
Profitability Index 6.60
Stability Index 5.30
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 4.72%
5-Year Asset Growth 5.43%
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 4.67%
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 134.15M
Total Deposits 122.00M
Capital and Reserves Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Capital 10.76M
Leverage Ratio 8.88
Loan Loss Reserves to Loans 1.18%
Risk-Based Capital Ratio 13.55
Liquidity Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Hot Money Ratio 29.03%
Liquidity Ratio 18.75%
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 1.69M
Net Interest Spread 3.77%
Operating Profit to Average Assets 1.74%
Overhead Efficiency Ratio 53.42%
Return on Assets 1.28%
Return on Equity 16.68%