Farmers State Bank & Trust Co.: how it compares with its peers
Against 121 IL banks with half to twice its assets, Farmers State Bank & Trust Co.'s strongest measure in Q2 2026 is efficiency ratio (50.85% vs. a 66.49% peer median). Its weakest relative measure is net interest margin (4.07% vs. 3.77%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.41% | 1.07% | Top third Ahead of 75% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.07% | 3.77% | Top third Ahead of 73% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.85% | 66.49% | Top third Ahead of 90% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.1M | $6.1M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.98% | 70.43% | Context |
What it means for lending operations
Its efficiency ratio of 50.85% is better than the 66.49% 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
- 1st Equity Bank Skokie, IL · $130M
- The Iuka State Bank Salem, IL · $133M
- First Community Bank of Hillsboro Hillsboro, IL · $133M
- Bank of Kampsville Kampsville, IL · $134M
- Flora Bank & Trust Flora, IL · $126M
- Chester National Bank Chester, IL · $126M
Questions about Farmers State Bank & Trust Co.
How big is Farmers State Bank & Trust Co.?
Farmers State Bank & Trust Co., established in 1914, is headquartered in Mount Sterling, IL. It reported $130M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Farmers State Bank & Trust Co.'s return on assets?
1.41% annualized in Q2 2026, against a 1.07% median for 121 IL banks with half to twice its assets, ahead of 75% of them.
What is Farmers State Bank & Trust Co.'s efficiency ratio?
50.85% in Q2 2026: it spent about 51 cents in noninterest expense for each dollar of revenue. The peer median is 66.49%, and lower is better.
Is Farmers State Bank & Trust Co. growing its loans?
Net loans shrank 1.0% over the year to Q2 2026, while deposits grew 0.1%.
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.