B
Farmers State Bank of Western Illinois
AlphaIL
Rating Date
October 2025
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 7.70
Capitalization Index 10.00
Liquidity Index 4.40
Profitability Index 4.40
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 -0.90%
5-Year Asset Growth 3.17%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.66%
Non-Performing Loans to Capital 4.81%
Non-Performing Loans to Loans 1.47%
Balance Sheet Farmers State Bank of Western Illinois
Alpha, IL
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Total Assets 163.79M
Total Deposits 140.80M
Capital and Reserves Farmers State Bank of Western Illinois
Alpha, IL
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Capital 18.66M
Leverage Ratio 13.82
Loan Loss Reserves to Loans 2.01%
Risk-Based Capital Ratio --
Liquidity Farmers State Bank of Western Illinois
Alpha, IL
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Hot Money Ratio 5.46%
Liquidity Ratio 44.23%
Profitability Farmers State Bank of Western Illinois
Alpha, IL
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5-Year Return on Average Assets 0.95%
Net Income 1.18M
Net Interest Spread 3.57%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 70.26%
Return on Assets 0.97%
Return on Equity 9.09%