C
Farmers State Bank & Trust Co.
Rating Date
August 2026
Risk Based
Capital Ratio
14.54
Leverage
Ratio
9.37
Return On
Assets
1.39%
Total
Assets
130.20M
Capital
11.08M
Total
Deposits
117.91M
Net
Income
928.00K
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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 5.90
Capitalization Index 7.60
Liquidity Index 2.00
Profitability Index 6.80
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 0.73%
5-Year Asset Growth 5.43%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.77%
Non-Performing Loans to Capital 4.84%
Non-Performing Loans to Loans 1.11%
Balance Sheet Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Total Assets 130.20M
Total Deposits 117.91M
Capital and Reserves Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Capital 11.08M
Leverage Ratio 9.37
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio 14.54
Liquidity Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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Hot Money Ratio 30.54%
Liquidity Ratio 17.76%
Profitability Farmers State Bank & Trust Co.
Mount Sterling, IL 		Click to
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5-Year Return on Average Assets 1.12%
Net Income 928.00K
Net Interest Spread 4.01%
Operating Profit to Average Assets 1.88%
Overhead Efficiency Ratio 50.85%
Return on Assets 1.39%
Return on Equity 17.04%