C
The Farmers State Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
13.49
Return On
Assets
0.59%
Total
Assets
212.04M
Capital
28.94M
Total
Deposits
182.60M
Net
Income
976.00K
My Lists My Alerts
Weiss Ratings The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating C
Asset Quality Index 5.00
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 0.60
Stability Index 6.70
Company Info The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
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
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth -2.97%
5-Year Asset Growth 2.17%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans 0.17%
Non-Performing Assets to Assets 1.07%
Non-Performing Loans to Capital 7.06%
Non-Performing Loans to Loans 2.32%
Balance Sheet The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 212.04M
Total Deposits 182.60M
Capital and Reserves The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 28.94M
Leverage Ratio 13.49
Loan Loss Reserves to Loans 2.43%
Risk-Based Capital Ratio --
Liquidity The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 5.64%
Liquidity Ratio 51.19%
Profitability The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 0.45%
Net Income 976.00K
Net Interest Spread 3.46%
Operating Profit to Average Assets 0.66%
Overhead Efficiency Ratio 83.30%
Return on Assets 0.59%
Return on Equity 4.57%