TellerScore

Farmers State Bank of Hoffman (FDIC certificate #9259) is based in Hoffman, Illinois. Its Q2 2026 call report shows $232.1M in total assets and $168.2M in deposits and 3 offices.

Farmers State Bank of Hoffman has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 92nd. Problem-loan coverage contributes the most (98/100, 0.8%); earnings contributes the least (47/100, 0.67%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Tier 1 leverage ratio: 11.95%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.17%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 67.3% · 18.0% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.85%

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 6 points (83 → 77), mostly because the earnings component weakened by 17 points.

TellerScore
747983Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202476
Q1 202578
Q2 202583
Q3 202579
Q4 202580
Q1 202679
Q2 202677
Tier 1 leverage ratio
5.00%8.85%12.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.92%
Q3 202412.01%
Q4 202412.69%
Q1 202512.26%
Q2 202512.33%
Q3 202512.10%
Q4 202512.23%
Q1 202612.20%
Q2 202611.95%
Noncurrent loans
0.14%0.20%0.26%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.26%
Q3 20240.23%
Q4 20240.19%
Q1 20250.18%
Q2 20250.18%
Q3 20250.17%
Q4 20250.14%
Q1 20260.15%
Q2 20260.17%
Return on assets
0.14%0.62%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.19%
Q4 20240.14%
Q1 20250.44%
Q2 20251.10%
Q3 20250.74%
Q4 20250.71%
Q1 20260.64%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$232.1M11.95%0.17%0.67%67.3%
Q1 202679$219.8M12.20%0.15%0.64%66.0%
Q4 202580$215.9M12.23%0.14%0.71%62.7%
Q3 202579$220.0M12.10%0.17%0.74%65.1%
Q2 202583$216.4M12.33%0.18%1.10%61.2%
Q1 202578$210.8M12.26%0.18%0.44%59.1%
Q4 202476$203.5M12.69%0.19%0.14%65.1%
Q3 202474$197.7M12.01%0.23%0.19%63.3%
Q2 202474$218.8M11.92%0.26%0.23%55.6%

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 ratio11.95%
64th
Total risk-based capital0.00%
24th
Problem loans0.17%
67th
Net charge-offs0.01%
47th
Return on assets0.67%
18th
Net interest margin3.38%
23rd
Efficiency ratio71.4%
27th
Loans to deposits67.3%
74th
Uninsured deposits18.0%
72nd
Loan-loss reserves1.17%
47th
Texas ratio0.8%
71st

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
West Central BankBank Ashland, IL60 out of 100, Moderate$232.2M11.9%2.10%vs
Anna-Jonesboro National BankBank Anna, IL65 out of 100, Moderate$234.2M14.6%3.00%vs
Eagle Valley BankBank Griggsville, IL72 out of 100, Strong$229.6M10.4%0.60%vs
Warren-Boynton State BankBank New Berlin, IL79 out of 100, Strong$234.5M12.1%0.41%vs
Crossroads BankBank Effingham, IL93 out of 100, Very strong$234.7M16.0%0.06%vs
First Federal Savings and Loan Association of Central Illinois, S.B.Bank Shelbyville, IL69 out of 100, Moderate$235.0M10.7%0.70%vs

Deposit insurance

Is my money safe at Farmers State Bank of Hoffman?

Yes. Farmers State Bank of Hoffman is an FDIC-insured institution (FDIC certificate #9259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.0% of deposits ($30.3M) 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 11.95%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

3 locations

Branches

Farmers State Bank of Hoffman lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers State Bank of Hoffman reported 55 home-loan applications under HMDA (LEI 549300KTI1WVD92EAK75): 39 originated ($5,775,000 total), 12 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.6%, 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 of Hoffman
Type
State-chartered bank
FDIC certificate #
9259
RSSD ID
837541
Primary regulator
FDIC
Holding company
Farmers State Bcorp Inc
Established
January 1, 1911
Headquarters
100 E 4th St, Hoffman, IL 62250
Employees
34

Quick answers

Farmers State Bank of Hoffman: common questions

Is Farmers State Bank of Hoffman FDIC insured?

Yes. Farmers State Bank of Hoffman is an FDIC-insured institution (FDIC certificate #9259). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank of Hoffman's TellerScore?

77 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 State Bank of Hoffman ever failed?

There is no failure record for FDIC certificate #9259 in the FDIC failed bank list.

How many branches does Farmers State Bank of Hoffman have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hoffman

InstitutionScoreAssetsCapitalProblem loansCompare
Germantown Trust & Savings BankBank Breese, IL87 out of 100, Very strong$523.6M11.6%0.13%vs
Salem School System Credit UnionCredit union Salem, IL87 out of 100, Very strong$2.2M30.9%0.00%vs
Nashville Savings BankBank Nashville, IL84 out of 100, Strong$107.9M12.9%0.00%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
The First National Bank of OkawvilleBank Okawville, IL80 out of 100, Strong$66.3M12.5%0.11%vs
The Old Exchange National Bank of OkawvilleBank Okawville, IL80 out of 100, Strong$91.3M11.1%0.19%vs