Farmers State Bank of Medora: how it compares with its peers
Against 17 IL banks with half to twice its assets, Farmers State Bank of Medora's strongest measure in Q2 2026 is assets per employee ($4.1M vs. a $5.4M peer median). Its weakest relative measure is return on assets (0.07% vs. 0.93%).
| Measure | Farmers State Bank of Medora | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.07% | 0.93% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.05% | 3.60% | Bottom third Ahead of 24% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 98.64% | 79.80% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.1M | $5.4M | Bottom third Ahead of 29% of peers |
| Loans to deposits Net loans and leases over total deposits. | 43.00% | 53.89% | Context |
What it means for lending operations
Its efficiency ratio of 98.64% is above the 79.80% 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
- Chesterfield State Bank Chesterfield, IL · $22M
- Hartsburg State Bank Hartsburg, IL · $18M
- Peoples Bank of Macon Macon, IL · $23M
- Sainte Marie State Bank Sainte Marie, IL · $23M
- The First National Bank of Assumption Assumption, IL · $25M
- Grand Rivers Community Bank Grand Chain, IL · $15M
Questions about Farmers State Bank of Medora
How big is Farmers State Bank of Medora?
Farmers State Bank of Medora, established in 1912, is headquartered in Medora, IL. It reported $20M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Farmers State Bank of Medora's return on assets?
0.07% annualized in Q2 2026, against a 0.93% median for 17 IL banks with half to twice its assets, ahead of 18% of them.
What is Farmers State Bank of Medora's efficiency ratio?
98.64% in Q2 2026: it spent about 99 cents in noninterest expense for each dollar of revenue. The peer median is 79.80%, and lower is better.
Is Farmers State Bank of Medora growing its loans?
Net loans shrank 4.3% over the year to Q2 2026, while deposits grew 2.3%.
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.