TellerScore

Headquartered in Bushnell, Illinois, Farmers and Merchants State Bank of Bushnell is a state-chartered bank with $86.5M in total assets and $77.6M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1914.

Farmers and Merchants State Bank of Bushnell has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 73% of its 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 49th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (55/100, 10.49%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.49%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings88/100
Return on assets (annualized): 1.70%
Funding & liquidity91/100
Loans ÷ deposits and uninsured-deposit share: 48.1% · 23.5% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (77 → 83), mostly because the earnings component improved by 10 points.

TellerScore
747983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202475
Q4 202474
Q1 202576
Q2 202577
Q3 202578
Q4 202577
Q1 202680
Q2 202683
Tier 1 leverage ratio
5.00%7.74%10.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.23%
Q3 20249.39%
Q4 20249.11%
Q1 20259.45%
Q2 20259.58%
Q3 20259.76%
Q4 20259.65%
Q1 20269.93%
Q2 202610.49%
Noncurrent loans
0.00%0.04%0.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.09%
Q3 20240.08%
Q4 20240.09%
Q1 20250.08%
Q2 20250.09%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.27%1.48%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.34%
Q3 20241.27%
Q4 20241.28%
Q1 20251.36%
Q2 20251.44%
Q3 20251.43%
Q4 20251.42%
Q1 20261.56%
Q2 20261.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$86.5M10.49%0.00%1.70%48.1%
Q1 202680$90.2M9.93%0.00%1.56%48.6%
Q4 202577$89.4M9.65%0.00%1.42%49.2%
Q3 202578$85.1M9.76%0.00%1.43%51.4%
Q2 202577$86.1M9.58%0.09%1.44%49.7%
Q1 202576$89.9M9.45%0.08%1.36%48.7%
Q4 202474$89.9M9.11%0.09%1.28%51.6%
Q3 202475$88.0M9.39%0.08%1.27%49.6%
Q2 202476$85.1M9.23%0.09%1.34%50.3%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.49%
24th
Total risk-based capital24.51%
81st
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets1.70%
81st
Net interest margin3.88%
50th
Efficiency ratio53.4%
85th
Loans to deposits48.1%
72nd
Uninsured deposits23.5%
23rd
Loan-loss reserves0.83%
21st
Texas ratio0.0%
85th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Villa Grove State BankBank Villa Grove, IL86 out of 100, Very strong$85.9M12.2%0.00%vs
Bank of StronghurstBank Stronghurst, IL70 out of 100, Strong$87.6M14.2%1.69%vs
Bank of Yates CityBank Yates City, IL42 out of 100, Below average$89.1M9.7%4.27%vs
The First Bank and Trust Company of MurphysboroBank Murphysboro, IL33 out of 100, Low$83.1M9.3%3.39%vs
The Old Exchange National Bank of OkawvilleBank Okawville, IL80 out of 100, Strong$91.3M11.1%0.19%vs
The Bank of BourbonnaisBank Bourbonnais, IL77 out of 100, Strong$81.6M11.9%0.00%vs

Deposit insurance

Is my money safe at Farmers and Merchants State Bank of Bushnell?

Yes. Farmers and Merchants State Bank of Bushnell is an FDIC-insured institution (FDIC certificate #11324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.5% of deposits ($18.2M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 24.51% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Farmers and Merchants State Bank of Bushnell lists 2 offices in 1 city. Most locations:

  • Bushnell, IL (2)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers and Merchants State Bank of Bushnell
Type
State-chartered bank
FDIC certificate #
11324
RSSD ID
321330
Primary regulator
FDIC
Holding company
Prairieland Bcorp Inc
Established
January 1, 1914
Headquarters
484 E Main St, Bushnell, IL 61422
Employees
17

Quick answers

Farmers and Merchants State Bank of Bushnell: common questions

Is Farmers and Merchants State Bank of Bushnell FDIC insured?

Yes. Farmers and Merchants State Bank of Bushnell is an FDIC-insured institution (FDIC certificate #11324). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers and Merchants State Bank of Bushnell's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers and Merchants State Bank of Bushnell ever failed?

There is no failure record for FDIC certificate #11324 in the FDIC failed bank list.

How many branches does Farmers and Merchants State Bank of Bushnell have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bushnell

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of IndustryBank Industry, IL86 out of 100, Very strong$64.3M14.2%0.44%vs
Fairview State Banking CompanyBank Fairview, IL83 out of 100, Strong$40.9M14.3%0.61%vs
Prairie State Bank and TrustBank Springfield, IL80 out of 100, Strong$840.1M12.4%0.52%vs
Security Savings BankBank Monmouth, IL80 out of 100, Strong$241.4M13.0%0.30%vs
Tompkins State BankBank Avon, IL73 out of 100, Strong$303.5M9.8%0.20%vs
Ipava State BankBank Lewistown, IL73 out of 100, Strong$221.9M9.7%0.20%vs