The Farmers State Bank and Trust Company: how it compares with its peers
Against 144 IL banks with half to twice its assets, The Farmers State Bank and Trust Company's strongest measure in Q2 2026 is net interest margin (3.83% vs. a 3.72% peer median). Its weakest relative measure is efficiency ratio (83.69% vs. 64.72%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.65% | 1.18% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.83% | 3.72% | Middle third Ahead of 56% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 83.69% | 64.72% | Bottom third Ahead of 10% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $6.5M | Bottom third Ahead of 13% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.34% | 74.55% | Context |
What it means for lending operations
Its efficiency ratio of 83.69% is above the 64.72% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Peru Federal Savings Bank Peru, IL · $208M
- First FSB of Mascoutah Mascoutah, IL · $207M
- Spring Valley City Bank Spring Valley, IL · $207M
- FWBank Chicago, IL · $207M
- Murphy-Wall State Bank and Trust Company Pinckneyville, IL · $206M
- Burling Bank Chicago, IL · $214M
Questions about The Farmers State Bank and Trust Company
How big is The Farmers State Bank and Trust Company?
The Farmers State Bank and Trust Company, established in 1910, is headquartered in Jacksonville, IL. It reported $210M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Farmers State Bank and Trust Company's return on assets?
0.65% annualized in Q2 2026, against a 1.18% median for 144 IL banks with half to twice its assets, ahead of 17% of them.
What is The Farmers State Bank and Trust Company's efficiency ratio?
83.69% in Q2 2026: it spent about 84 cents in noninterest expense for each dollar of revenue. The peer median is 64.72%, and lower is better.
Is The Farmers State Bank and Trust Company growing its loans?
Net loans shrank 3.2% over the year to Q2 2026, while deposits shrank 4.9%.
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.