D
Farmers State Bank
ElmwoodIL
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
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Return On
Assets
Total
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Capital
Total
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Net
Income
Weiss Ratings Farmers State Bank
Elmwood, IL
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Rating D
Asset Quality Index 1.60
Capitalization Index 5.90
Liquidity Index 3.70
Profitability Index 1.50
Stability Index 1.30
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 -4.74%
5-Year Asset Growth 5.89%
5-Year Charge-Offs to Average Loans 0.05%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 2.03%
Non-Performing Loans to Capital 36.14%
Non-Performing Loans to Loans 3.88%
Balance Sheet Farmers State Bank
Elmwood, IL
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Total Assets 68.72M
Total Deposits 60.81M
Capital and Reserves Farmers State Bank
Elmwood, IL
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Capital 2.29M
Leverage Ratio 7.93
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio 14.25
Liquidity Farmers State Bank
Elmwood, IL
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Hot Money Ratio 21.84%
Liquidity Ratio 25.91%
Profitability Farmers State Bank
Elmwood, IL
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5-Year Return on Average Assets 0.34%
Net Income 76.00K
Net Interest Spread 2.86%
Operating Profit to Average Assets 0.15%
Overhead Efficiency Ratio 94.89%
Return on Assets 0.15%
Return on Equity 6.22%