B
The Farmers State Bank and Trust Company
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
13.85
Return On
Assets
0.64%
Total
Assets
210.10M
Capital
29.58M
Total
Deposits
180.19M
Net
Income
685.00K
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Weiss Ratings The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Rating B
Asset Quality Index 5.40
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 3.60
Stability Index 6.80
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 -3.93%
5-Year Asset Growth -2.04%
5-Year Charge-Offs to Average Loans 0.28%
Charge-Offs to Average Loans 0.41%
Non-Performing Assets to Assets 1.07%
Non-Performing Loans to Capital 6.98%
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 210.10M
Total Deposits 180.19M
Capital and Reserves The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Capital 29.58M
Leverage Ratio 13.85
Loan Loss Reserves to Loans 2.23%
Risk-Based Capital Ratio --
Liquidity The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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Hot Money Ratio 4.26%
Liquidity Ratio 51.07%
Profitability The Farmers State Bank and Trust Company
Jacksonville, IL 		Click to
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5-Year Return on Average Assets 0.44%
Net Income 685.00K
Net Interest Spread 3.81%
Operating Profit to Average Assets 0.71%
Overhead Efficiency Ratio 83.69%
Return on Assets 0.64%
Return on Equity 4.67%