Farmers State Bank & Trust Co.
Major Rating Factors:
Excellent current capitalization (7.6 on a scale of 0 to 10) based on a risk-based capital ratio of 14.5 and a capital leverage ratio of 9.4. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.4 has resulted in Good (6.8) profitability.
Other Rating Factors:
A current level of 4.8 percent of nonperforming loans to core capital combined with 1.5 percent from a year earlier contributes to the Good asset quality (5.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10).
Asset Mix:
Home mtgs (26%), securities (22%), comm loans (12%), comm re (10%), consumer loans (3%), cash (3%), other (24%)
States with Branches:
IL
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Mount Sterling Bancorp, Inc
Investment Rating
--
Address
129 West Main Street
Mount Sterling, IL 62353
Mount Sterling, IL 62353
Phone Number
(217) 773-3319
Year Founded
1914
FDIC Number
Website
Largest Affiliates
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