TellerScore

Farmers State Bank of Alto Pass, Ill. is a state-chartered bank headquartered in Alto Pass, Illinois, in business for about 116 years. At the end of Q2 2026 it reported $342.4M in total assets and $307.2M in deposits, with 5 offices.

Based on its Q2 2026 filing, Farmers State Bank of Alto Pass, Ill. scores 53/100, which we describe as below average. That is higher than only 9% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 281st. Its strongest component is earnings (100/100; 2.17%), and its lowest is loan quality (16/100; 2.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.51%
Loan quality16/100
Noncurrent loans ÷ total loans: 2.52%
Earnings100/100
Return on assets (annualized): 2.17%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 93.9% · 12.0% uninsured
Problem-loan coverage59/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 20.40%

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 fell 5 points (58 → 53), mostly because the loan quality component weakened by 38 points.

TellerScore
485766Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202458
Q4 202458
Q1 202555
Q2 202558
Q3 202548
Q4 202559
Q1 202666
Q2 202653
Tier 1 leverage ratio
5.00%7.25%9.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.89%
Q3 20249.04%
Q4 20248.80%
Q1 20258.72%
Q2 20258.49%
Q3 20258.99%
Q4 20259.15%
Q1 20269.40%
Q2 20269.51%
Noncurrent loans
0.98%1.75%2.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.98%
Q3 20241.55%
Q4 20241.27%
Q1 20251.51%
Q2 20251.37%
Q3 20252.39%
Q4 20251.57%
Q1 20261.24%
Q2 20262.52%
Return on assets
1.21%1.76%2.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.66%
Q3 20241.63%
Q4 20241.32%
Q1 20251.21%
Q2 20251.48%
Q3 20251.39%
Q4 20251.61%
Q1 20262.31%
Q2 20262.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202653$342.4M9.51%2.52%2.17%93.9%
Q1 202666$356.7M9.40%1.24%2.31%92.3%
Q4 202559$355.0M9.15%1.57%1.61%92.5%
Q3 202548$340.4M8.99%2.39%1.39%91.2%
Q2 202558$349.9M8.49%1.37%1.48%92.3%
Q1 202555$366.4M8.72%1.51%1.21%90.8%
Q4 202458$353.5M8.80%1.27%1.32%92.9%
Q3 202458$360.0M9.04%1.55%1.63%90.2%
Q2 202464$347.5M8.89%0.98%1.66%92.6%

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).

Capital ratio9.51%
21st
Total risk-based capital13.37%
59th
Problem loans2.52%
8th
Net charge-offs0.44%
6th
Return on assets2.17%
91st
Net interest margin5.84%
98th
Efficiency ratio65.3%
41st
Loans to deposits93.9%
18th
Uninsured deposits12.0%
90th
Loan-loss reserves1.03%
30th
Texas ratio20.4%
5th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of ToulonBank Toulon, IL77 out of 100, Strong$343.4M10.5%0.13%vs
Buena Vista National BankBank Chester, IL77 out of 100, Strong$344.0M11.1%0.36%vs
Farmers State BankBank Pittsfield, IL88 out of 100, Very strong$339.8M15.0%0.23%vs
The First Trust and Savings Bank of Watseka, IllinoisBank Watseka, IL96 out of 100, Very strong$337.1M16.1%0.03%vs
Citizens National Bank of AlbionBank Albion, IL88 out of 100, Very strong$348.5M17.4%0.54%vs
The Bank of HerrinBank Herrin, IL65 out of 100, Moderate$349.2M8.8%0.83%vs

Deposit insurance

Is my money safe at Farmers State Bank of Alto Pass, Ill.?

Yes. Farmers State Bank of Alto Pass, Ill. is an FDIC-insured institution (FDIC certificate #11299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.0% of deposits ($36.7M) 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 9.51%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.37% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Farmers State Bank of Alto Pass, Ill. lists 5 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Farmers State Bank of Alto Pass, Ill.
Type
State-chartered bank
FDIC certificate #
11299
RSSD ID
856346
Primary regulator
FDIC
Holding company
Farmers State Holding Corp
Established
January 1, 1910
Headquarters
55 N Elm St, Alto Pass, IL 62905
Employees
71

Quick answers

Farmers State Bank of Alto Pass, Ill.: common questions

Is Farmers State Bank of Alto Pass, Ill. FDIC insured?

Yes. Farmers State Bank of Alto Pass, Ill. is an FDIC-insured institution (FDIC certificate #11299). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank of Alto Pass, Ill.'s TellerScore?

53 out of 100 (Below average), 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 of Alto Pass, Ill. ever failed?

There is no failure record for FDIC certificate #11299 in the FDIC failed bank list.

How many branches does Farmers State Bank of Alto Pass, Ill. have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Alto Pass

InstitutionScoreAssetsCapitalProblem loansCompare
Carbondale Highway Credit UnionCredit union Carbondale, IL90 out of 100, Very strong$5.6M15.6%0.00%vs
A.S.H. Employees Credit UnionCredit union Anna, IL85 out of 100, Very strong$5.6M19.8%0.43%vs
Alliance BankBank Cape Girardeau, MO84 out of 100, Strong$391.3M13.6%0.26%vs
Wood & Huston BankBank Marshall, MO82 out of 100, Strong$1.2B11.6%0.14%vs
Anna State BankBank Anna, IL81 out of 100, Strong$111.6M12.5%0.02%vs
Du Quoin State BankBank Du Quoin, IL78 out of 100, Strong$148.2M10.8%0.00%vs