C
The Farmers State Bank and Trust Company
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.94
Return On
Assets
0.59%
Total
Assets
218.70M
Capital
28.50M
Total
Deposits
189.43M
Net
Income
661.00K
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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 4.00
Capitalization Index 9.30
Liquidity Index 2.60
Profitability Index 0.70
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 0.53%
5-Year Asset Growth 2.17%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 1.05%
Non-Performing Loans to Capital 7.61%
Non-Performing Loans to Loans 2.29%
Balance Sheet The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Total Assets 218.70M
Total Deposits 189.43M
Capital and Reserves The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Capital 28.50M
Leverage Ratio 12.94
Loan Loss Reserves to Loans 2.43%
Risk-Based Capital Ratio --
Liquidity The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Hot Money Ratio 8.01%
Liquidity Ratio 51.39%
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 661.00K
Net Interest Spread 3.38%
Operating Profit to Average Assets 0.65%
Overhead Efficiency Ratio 83.14%
Return on Assets 0.59%
Return on Equity 4.67%