B
Farmers State Bank of Western Illinois
AlphaIL
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers State Bank of Western Illinois
Alpha, IL
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Rating B
Asset Quality Index 7.80
Capitalization Index 10.00
Liquidity Index 4.50
Profitability Index 4.50
Stability Index 6.80
Company Info Farmers State Bank of Western Illinois
Alpha, IL
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FDIC Number 11680
Phone Number (309) 629-4361
Website www.fsbwil.com
Asset Quality Farmers State Bank of Western Illinois
Alpha, IL
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1-Year Asset Growth 2.12%
5-Year Asset Growth 1.92%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.60%
Non-Performing Loans to Capital 4.53%
Non-Performing Loans to Loans 1.41%
Balance Sheet Farmers State Bank of Western Illinois
Alpha, IL
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Total Assets 170.68M
Total Deposits 147.23M
Capital and Reserves Farmers State Bank of Western Illinois
Alpha, IL
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Capital 19.23M
Leverage Ratio 13.53
Loan Loss Reserves to Loans 2.09%
Risk-Based Capital Ratio --
Liquidity Farmers State Bank of Western Illinois
Alpha, IL
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Hot Money Ratio 5.17%
Liquidity Ratio 45.02%
Profitability Farmers State Bank of Western Illinois
Alpha, IL
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5-Year Return on Average Assets 0.95%
Net Income 1.66M
Net Interest Spread 3.60%
Operating Profit to Average Assets 1.02%
Overhead Efficiency Ratio 69.10%
Return on Assets 1.02%
Return on Equity 9.38%