Farmers State Bank of Emden: how it compares with its peers
Against 38 IL banks with half to twice its assets, Farmers State Bank of Emden's strongest measure in Q2 2026 is efficiency ratio (55.05% vs. a 79.44% peer median). Its weakest relative measure is net interest margin (3.60% vs. 3.83%).
| Measure | Farmers State Bank of Emden | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.18% | 0.77% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.60% | 3.83% | Middle third Ahead of 37% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.05% | 79.44% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.4M | $5.5M | Middle third Ahead of 45% of peers |
| Loans to deposits Net loans and leases over total deposits. | 46.91% | 54.12% | Context |
What it means for lending operations
Its efficiency ratio of 55.05% is better than the 79.44% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- State Bank of Nauvoo Nauvoo, IL · $38M
- Citizens Bank of Chatsworth Chatsworth, IL · $36M
- First State Bank of Van Orin Van Orin, IL · $40M
- The First State Bank of Dongola Dongola, IL · $35M
- Fairview State Banking Company Fairview, IL · $41M
- North Side Federal Savings and Loan Association of Chicago Chicago, IL · $42M
Questions about Farmers State Bank of Emden
How big is Farmers State Bank of Emden?
Farmers State Bank of Emden, established in 1891, is headquartered in Emden, IL. It reported $38M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Farmers State Bank of Emden's return on assets?
1.18% annualized in Q2 2026, against a 0.77% median for 38 IL banks with half to twice its assets, ahead of 68% of them.
What is Farmers State Bank of Emden's efficiency ratio?
55.05% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 79.44%, and lower is better.
Is Farmers State Bank of Emden growing its loans?
Net loans grew 5.5% over the year to Q2 2026, while deposits shrank 3.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IL banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Illinois bank ranked.