D
Farmers State Bank
ElmwoodIL
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Farmers State Bank
Elmwood, IL
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Rating D
Asset Quality Index 0.30
Capitalization Index 5.90
Liquidity Index 3.80
Profitability Index 1.70
Stability Index 1.00
Company Info Farmers State Bank
Elmwood, IL
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FDIC Number 12107
Phone Number (309) 742-3711
Website www.fsbelmwood.com
Asset Quality Farmers State Bank
Elmwood, IL
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1-Year Asset Growth -5.42%
5-Year Asset Growth 2.80%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 2.19%
Non-Performing Loans to Capital 53.38%
Non-Performing Loans to Loans 4.17%
Balance Sheet Farmers State Bank
Elmwood, IL
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Total Assets 68.39M
Total Deposits 60.32M
Capital and Reserves Farmers State Bank
Elmwood, IL
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Capital 2.56M
Leverage Ratio 7.93
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 14.28
Liquidity Farmers State Bank
Elmwood, IL
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Hot Money Ratio 19.39%
Liquidity Ratio 29.33%
Profitability Farmers State Bank
Elmwood, IL
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5-Year Return on Average Assets 0.34%
Net Income 144.00K
Net Interest Spread 2.94%
Operating Profit to Average Assets 0.21%
Overhead Efficiency Ratio 93.00%
Return on Assets 0.21%
Return on Equity 7.87%