D
Farmers State Bank
ElmwoodIL
Rating Date
October 2025
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 2.50
Capitalization Index 6.30
Liquidity Index 3.40
Profitability Index 1.40
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 -8.02%
5-Year Asset Growth 5.89%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 2.05%
Non-Performing Loans to Capital 25.28%
Non-Performing Loans to Loans 3.57%
Balance Sheet Farmers State Bank
Elmwood, IL
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Total Assets 62.65M
Total Deposits 55.61M
Capital and Reserves Farmers State Bank
Elmwood, IL
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Capital 1.51M
Leverage Ratio 8.27
Loan Loss Reserves to Loans 1.39%
Risk-Based Capital Ratio 14.54
Liquidity Farmers State Bank
Elmwood, IL
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Hot Money Ratio 20.85%
Liquidity Ratio 21.20%
Profitability Farmers State Bank
Elmwood, IL
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5-Year Return on Average Assets 0.34%
Net Income 22.00K
Net Interest Spread 2.80%
Operating Profit to Average Assets 0.06%
Overhead Efficiency Ratio 97.71%
Return on Assets 0.06%
Return on Equity 2.95%