C
The Farmers State Bank and Trust Company
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
13.76
Return On
Assets
0.58%
Total
Assets
209.29M
Capital
29.09M
Total
Deposits
179.67M
Net
Income
1.27M
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Weiss Ratings The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Rating C
Asset Quality Index 4.90
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 3.30
Stability Index 6.60
Company Info The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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FDIC Number 11747
Phone Number (217) 479-4000
Website www.fsbtco.com
Asset Quality The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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1-Year Asset Growth -8.53%
5-Year Asset Growth -2.04%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans 0.18%
Non-Performing Assets to Assets 1.07%
Non-Performing Loans to Capital 7.15%
Non-Performing Loans to Loans 2.26%
Balance Sheet The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Total Assets 209.29M
Total Deposits 179.67M
Capital and Reserves The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Capital 29.09M
Leverage Ratio 13.76
Loan Loss Reserves to Loans 2.31%
Risk-Based Capital Ratio --
Liquidity The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Hot Money Ratio 4.67%
Liquidity Ratio 49.04%
Profitability The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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5-Year Return on Average Assets 0.45%
Net Income 1.27M
Net Interest Spread 3.55%
Operating Profit to Average Assets 0.63%
Overhead Efficiency Ratio 84.51%
Return on Assets 0.58%
Return on Equity 4.44%