Farmers & Merchants Bank of Hutsonville: how it compares with its peers
Against 53 IL banks with half to twice its assets, Farmers & Merchants Bank of Hutsonville's strongest measure in Q2 2026 is efficiency ratio (44.06% vs. a 74.17% peer median). Its weakest relative measure is net interest margin (3.70% vs. 3.78%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.93% | 0.83% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.70% | 3.78% | Middle third Ahead of 43% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 44.06% | 74.17% | Top third Ahead of 96% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.5M | $5.8M | Middle third Ahead of 64% of peers |
| Loans to deposits Net loans and leases over total deposits. | 89.64% | 57.71% | Context |
What it means for lending operations
Its efficiency ratio of 44.06% is better than the 74.17% 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
- Camp Grove State Bank Camp Grove, IL · $53M
- Peoples State Bank of Colfax Colfax, IL · $50M
- Buckley State Bank Buckley, IL · $49M
- Community National Bank in Monmouth Monmouth, IL · $55M
- First Community Bank, Xenia-Flora Xenia, IL · $56M
- Citizens State Bank of Milford Milford, IL · $57M
Questions about Farmers & Merchants Bank of Hutsonville
How big is Farmers & Merchants Bank of Hutsonville?
Farmers & Merchants Bank of Hutsonville, established in 1920, is headquartered in Hutsonville, IL. It reported $52M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Farmers & Merchants Bank of Hutsonville's return on assets?
1.93% annualized in Q2 2026, against a 0.83% median for 53 IL banks with half to twice its assets, ahead of 94% of them.
What is Farmers & Merchants Bank of Hutsonville's efficiency ratio?
44.06% in Q2 2026: it spent about 44 cents in noninterest expense for each dollar of revenue. The peer median is 74.17%, and lower is better.
Is Farmers & Merchants Bank of Hutsonville growing its loans?
Net loans grew 3.8% over the year to Q2 2026, while deposits grew 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.