TellerScore

Farmers State Bank of Western Illinois (FDIC certificate #11680) is based in Alpha, Illinois. Its Q2 2026 call report shows $167.3M in total assets and $143.4M in deposits and 6 offices.

Based on its Q2 2026 filing, Farmers State Bank of Western Illinois scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 125th. Its strongest component is funding & liquidity (94/100; 51% loans-to-deposits, 21% uninsured), and its lowest is loan quality (42/100; 1.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion91/100
Tier 1 leverage ratio: 14.08%
Loan quality42/100
Noncurrent loans ÷ total loans: 1.74%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity94/100
Loans ÷ deposits and uninsured-deposit share: 51.0% · 20.7% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.19%

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 2 points (76 → 74), mostly because the loan quality component weakened by 14 points.

TellerScore
737882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202482
Q3 202480
Q4 202478
Q1 202576
Q2 202576
Q3 202573
Q4 202573
Q1 202681
Q2 202674
Tier 1 leverage ratio
5.00%9.54%14.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202413.74%
Q3 202413.53%
Q4 202413.18%
Q1 202513.52%
Q2 202513.94%
Q3 202513.82%
Q4 202513.53%
Q1 202613.58%
Q2 202614.08%
Noncurrent loans
0.47%1.10%1.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.47%
Q3 20240.52%
Q4 20240.78%
Q1 20251.16%
Q2 20251.33%
Q3 20251.55%
Q4 20251.50%
Q1 20260.90%
Q2 20261.74%
Return on assets
0.80%1.00%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.81%
Q3 20240.80%
Q4 20240.89%
Q1 20250.87%
Q2 20250.97%
Q3 20250.96%
Q4 20251.01%
Q1 20261.18%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$167.3M14.08%1.74%1.19%51.0%
Q1 202681$164.6M13.58%0.90%1.18%50.4%
Q4 202573$170.7M13.53%1.50%1.01%48.7%
Q3 202573$163.8M13.82%1.55%0.96%51.4%
Q2 202576$161.4M13.94%1.33%0.97%52.4%
Q1 202576$159.7M13.52%1.16%0.87%51.9%
Q4 202478$167.1M13.18%0.78%0.89%49.4%
Q3 202480$165.3M13.53%0.52%0.80%48.7%
Q2 202482$158.2M13.74%0.47%0.81%50.9%

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 ratio14.08%
82nd
Total risk-based capital0.00%
24th
Problem loans1.74%
15th
Net charge-offs0.03%
34th
Return on assets1.19%
47th
Net interest margin3.84%
44th
Efficiency ratio66.8%
37th
Loans to deposits51.0%
91st
Uninsured deposits20.7%
62nd
Loan-loss reserves2.11%
94th
Texas ratio6.2%
30th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
North Central BankBank Hennepin, IL82 out of 100, Strong$165.9M12.3%0.26%vs
Illini State BankBank Oglesby, IL70 out of 100, Strong$171.9M14.4%1.86%vs
DeWitt Savings BankBank Clinton, IL64 out of 100, Moderate$173.2M10.5%1.21%vs
Waterman BankBank Waterman, IL60 out of 100, Moderate$173.6M13.2%1.78%vs
Iroquois Farmers State BankBank Iroquois, IL57 out of 100, Moderate$174.5M9.1%1.96%vs
First State Bank of Campbell HillBank Campbell Hill, IL76 out of 100, Strong$160.1M13.8%1.59%vs

Deposit insurance

Is my money safe at Farmers State Bank of Western Illinois?

Yes. Farmers State Bank of Western Illinois is an FDIC-insured institution (FDIC certificate #11680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.7% of deposits ($29.7M) 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 14.08%, 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

6 locations

Branches

Farmers State Bank of Western Illinois lists 5 offices in 5 cities. Most locations:

  • Aledo, IL (1)
  • Alexis, IL (1)
  • Alpha, IL (1)
  • Viola, IL (1)
  • Woodhull, IL (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers State Bank of Western Illinois
Former names
Farmers State Bank of Alpha
Type
State-chartered bank (Fed member)
FDIC certificate #
11680
RSSD ID
653433
Primary regulator
FED
Holding company
Alpha Banco Inc
Established
December 1, 1910
Headquarters
124 W D St, Alpha, IL 61413
Employees
32

Quick answers

Farmers State Bank of Western Illinois: common questions

Is Farmers State Bank of Western Illinois FDIC insured?

Yes. Farmers State Bank of Western Illinois is an FDIC-insured institution (FDIC certificate #11680). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank of Western Illinois's TellerScore?

74 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 Western Illinois ever failed?

There is no failure record for FDIC certificate #11680 in the FDIC failed bank list.

How many branches does Farmers State Bank of Western Illinois have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Alpha

InstitutionScoreAssetsCapitalProblem loansCompare
Anderson State BankBank Oneida, IL96 out of 100, Very strong$108.9M17.3%0.00%vs
Galesburg Burlington Credit UnionCredit union Galesburg, IL96 out of 100, Very strong$56.8M28.5%0.23%vs
United Equity Credit UnionCredit union Decatur, IL94 out of 100, Very strong$66.2M18.7%0.23%vs
Kone Employees Credit UnionCredit union Moline, IL94 out of 100, Very strong$20.7M17.5%0.55%vs
Farmers National BankBank Prophetstown, IL88 out of 100, Very strong$895.7M15.0%0.23%vs
Service Plus Credit UnionCredit union Moline, IL81 out of 100, Strong$34.7M12.3%0.46%vs