Farmers and Merchants State Bank of Bushnell: how it compares with its peers
Against 82 IL banks with half to twice its assets, Farmers and Merchants State Bank of Bushnell's strongest measure in Q2 2026 is return on assets (1.70% vs. a 1.07% peer median). Its weakest relative measure is assets per employee ($5.1M vs. $6.2M).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.70% | 1.07% | Top third Ahead of 89% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.88% | 3.73% | Middle third Ahead of 62% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.42% | 66.01% | Top third Ahead of 83% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.1M | $6.2M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 48.10% | 64.86% | Context |
What it means for lending operations
Its efficiency ratio of 53.42% is better than the 66.01% 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
- Villa Grove State Bank Villa Grove, IL · $86M
- Bank of Stronghurst Stronghurst, IL · $88M
- Bank of Yates City Yates City, IL · $89M
- The First Bank and Trust Company of Murphysboro Murphysboro, IL · $83M
- The Old Exchange National Bank of Okawville Okawville, IL · $91M
- The Bank of Bourbonnais Bourbonnais, IL · $82M
Questions about Farmers and Merchants State Bank of Bushnell
How big is Farmers and Merchants State Bank of Bushnell?
Farmers and Merchants State Bank of Bushnell, established in 1914, is headquartered in Bushnell, IL. It reported $86M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Farmers and Merchants State Bank of Bushnell's return on assets?
1.70% annualized in Q2 2026, against a 1.07% median for 82 IL banks with half to twice its assets, ahead of 89% of them.
What is Farmers and Merchants State Bank of Bushnell's efficiency ratio?
53.42% in Q2 2026: it spent about 53 cents in noninterest expense for each dollar of revenue. The peer median is 66.01%, and lower is better.
Is Farmers and Merchants State Bank of Bushnell growing its loans?
Net loans shrank 4.5% over the year to Q2 2026, while deposits shrank 1.4%.
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.