Headquartered in Pittsfield, Illinois, Farmers State Bank is a state-chartered bank with $339.8M in total assets and $285.8M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1889.
Based on its Q2 2026 filing, Farmers State Bank scores 88/100, which we describe as very strong. That is higher than 92% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 21st. Its strongest component is capital cushion (100/100; 15.02%), and its lowest is funding & liquidity (67/100; 89% loans-to-deposits, 19% uninsured).
TellerScore · Q2 2026
Scorecard
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 8 points (80 → 88), mostly because the loan quality component improved by 42 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 92 |
| Q3 2024 | 93 |
| Q4 2024 | 88 |
| Q1 2025 | 89 |
| Q2 2025 | 80 |
| Q3 2025 | 88 |
| Q4 2025 | 92 |
| Q1 2026 | 76 |
| Q2 2026 | 88 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 15.10% |
| Q3 2024 | 15.67% |
| Q4 2024 | 15.03% |
| Q1 2025 | 15.29% |
| Q2 2025 | 15.34% |
| Q3 2025 | 15.81% |
| Q4 2025 | 15.14% |
| Q1 2026 | 14.74% |
| Q2 2026 | 15.02% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.21% |
| Q3 2024 | 0.09% |
| Q4 2024 | 0.51% |
| Q1 2025 | 0.52% |
| Q2 2025 | 1.50% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.03% |
| Q1 2026 | 0.87% |
| Q2 2026 | 0.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.92% |
| Q3 2024 | 1.91% |
| Q4 2024 | 1.82% |
| Q1 2025 | 1.91% |
| Q2 2025 | 1.96% |
| Q3 2025 | 1.92% |
| Q4 2025 | 1.91% |
| Q1 2026 | 0.65% |
| Q2 2026 | 1.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $339.8M | 15.02% | 0.23% | 1.40% | 89.0% |
| Q1 2026 | 76 | $358.1M | 14.74% | 0.87% | 0.65% | 80.8% |
| Q4 2025 | 92 | $341.3M | 15.14% | 0.03% | 1.91% | 88.1% |
| Q3 2025 | 88 | $323.9M | 15.81% | 0.48% | 1.92% | 91.9% |
| Q2 2025 | 80 | $330.6M | 15.34% | 1.50% | 1.96% | 86.6% |
| Q1 2025 | 89 | $334.6M | 15.29% | 0.52% | 1.91% | 82.7% |
| Q4 2024 | 88 | $326.3M | 15.03% | 0.51% | 1.82% | 88.5% |
| Q3 2024 | 93 | $319.0M | 15.67% | 0.09% | 1.91% | 86.7% |
| Q2 2024 | 92 | $316.9M | 15.10% | 0.21% | 1.92% | 85.2% |
2,650 peers · $100 million – $1 billion
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).
Similar-size banks in Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State Bank of Alto Pass, Ill.Bank Alto Pass, IL | 53 out of 100, Below average | $342.4M | 9.5% | 2.52% | vs |
| The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL | 96 out of 100, Very strong | $337.1M | 16.1% | 0.03% | vs |
| State Bank of ToulonBank Toulon, IL | 77 out of 100, Strong | $343.4M | 10.5% | 0.13% | vs |
| Buena Vista National BankBank Chester, IL | 77 out of 100, Strong | $344.0M | 11.1% | 0.36% | vs |
| The Havana National BankBank Havana, IL | 55 out of 100, Moderate | $332.8M | 12.2% | 2.69% | vs |
| The Harvard State BankBank Harvard, IL | 70 out of 100, Strong | $331.5M | 8.8% | 0.26% | vs |
Deposit insurance
Is my money safe at Farmers State Bank?
Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #11307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 19.2% of deposits ($55.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.02%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.52% (benchmark: 10%).
6 locations
Branches
Farmers State Bank lists 6 offices in 5 cities. Most locations:
- Pittsfield, IL (2)
- Hull, IL (1)
- Jerseyville, IL (1)
- White Hall, IL (1)
- Winchester, IL (1)
HMDA 2025
Mortgage lending
In 2025, Farmers State Bank reported 54 home-loan applications under HMDA (LEI 254900SRBPINTG8V7N66): 48 originated ($5,810,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.5%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Farmers State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 11307
- RSSD ID
- 477648
- Primary regulator
- FDIC
- Holding company
- Pike Bcorp Inc
- Established
- January 26, 1889
- Headquarters
- 108 E Adams St, Pittsfield, IL 62363
- Website
- www.farmersstate.com
- Employees
- 37
Quick answers
Farmers State Bank: common questions
Is Farmers State Bank FDIC insured?
Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #11307). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers State Bank's TellerScore?
88 out of 100 (Very 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 State Bank ever failed?
There is no failure record for FDIC certificate #11307 in the FDIC failed bank list.
How many branches does Farmers State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pittsfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank of KampsvilleBank Kampsville, IL | 91 out of 100, Very strong | $134.1M | 17.4% | 0.01% | vs |
| Liberty BankBank Liberty, IL | 86 out of 100, Very strong | $193.9M | 12.2% | 0.14% | vs |
| Great Rivers BankBank Barry, IL | 81 out of 100, Strong | $194.6M | 11.2% | 0.11% | vs |
| HNB National BankBank Hannibal, MO | 81 out of 100, Strong | $1.3B | 9.7% | 0.06% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |