D
Farmers State Bank
Elmwood,  IL
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers State Bank
Elmwood, IL
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Rating D
Asset Quality Index 2.20
Capitalization Index 6.20
Liquidity Index 3.60
Profitability Index 1.90
Stability Index 0.20
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 6.79%
5-Year Asset Growth 2.66%
5-Year Charge-Offs to Average Loans 0.31%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 2.34%
Non-Performing Loans to Capital 24.48%
Non-Performing Loans to Loans 4.58%
Balance Sheet Farmers State Bank
Elmwood, IL
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Total Assets 66.90M
Total Deposits 58.52M
Capital and Reserves Farmers State Bank
Elmwood, IL
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Capital 2.62M
Leverage Ratio 8.18
Loan Loss Reserves to Loans 1.24%
Risk-Based Capital Ratio 15.41
Liquidity Farmers State Bank
Elmwood, IL
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Hot Money Ratio 20.43%
Liquidity Ratio 12.64%
Profitability Farmers State Bank
Elmwood, IL
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5-Year Return on Average Assets 0.11%
Net Income 190.00K
Net Interest Spread 3.31%
Operating Profit to Average Assets 0.52%
Overhead Efficiency Ratio 82.17%
Return on Assets 0.52%
Return on Equity 16.61%