The Farmers State Bank and Trust Company is a state-chartered bank headquartered in Jacksonville, Illinois, in business for about 116 years. At the end of Q2 2026 it reported $210.1M in total assets and $180.2M in deposits, with 2 offices.
Based on its Q2 2026 filing, The Farmers State Bank and Trust Company scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 217th. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 14% uninsured), and its lowest is loan quality (26/100; 2.22%).
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 4 points (62 → 66), mostly because the capital cushion component improved by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 63 |
| Q4 2024 | 58 |
| Q1 2025 | 65 |
| Q2 2025 | 62 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.64% |
| Q3 2024 | 13.31% |
| Q4 2024 | 12.62% |
| Q1 2025 | 12.79% |
| Q2 2025 | 12.94% |
| Q3 2025 | 13.49% |
| Q4 2025 | 13.76% |
| Q1 2026 | 13.89% |
| Q2 2026 | 13.85% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.16% |
| Q3 2024 | 2.64% |
| Q4 2024 | 2.56% |
| Q1 2025 | 2.21% |
| Q2 2025 | 2.33% |
| Q3 2025 | 2.30% |
| Q4 2025 | 2.23% |
| Q1 2026 | 2.33% |
| Q2 2026 | 2.22% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.86% |
| Q3 2024 | 0.95% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.91% |
| Q2 2025 | 0.59% |
| Q3 2025 | 0.59% |
| Q4 2025 | 0.58% |
| Q1 2026 | 0.62% |
| Q2 2026 | 0.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $210.1M | 13.85% | 2.22% | 0.65% | 52.3% |
| Q1 2026 | 65 | $214.4M | 13.89% | 2.33% | 0.62% | 49.0% |
| Q4 2025 | 65 | $209.3M | 13.76% | 2.23% | 0.58% | 54.1% |
| Q3 2025 | 64 | $212.0M | 13.49% | 2.30% | 0.59% | 51.6% |
| Q2 2025 | 62 | $218.7M | 12.94% | 2.33% | 0.59% | 51.5% |
| Q1 2025 | 65 | $220.8M | 12.79% | 2.21% | 0.91% | 51.1% |
| Q4 2024 | 58 | $228.8M | 12.62% | 2.56% | 0.55% | 51.1% |
| Q3 2024 | 63 | $218.5M | 13.31% | 2.64% | 0.95% | 55.0% |
| Q2 2024 | 64 | $217.6M | 12.64% | 2.16% | 0.86% | 56.7% |
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 |
|---|---|---|---|---|---|
| Peru Federal Savings BankBank Peru, IL | 87 out of 100, Very strong | $208.5M | 16.4% | 0.28% | vs |
| First FSB of MascoutahBank Mascoutah, IL | 52 out of 100, Below average | $207.3M | 10.5% | 2.12% | vs |
| Spring Valley City BankBank Spring Valley, IL | 84 out of 100, Strong | $207.0M | 13.9% | 0.18% | vs |
| FWBankBank Chicago, IL | 75 out of 100, Strong | $206.7M | 12.5% | 0.12% | vs |
| Murphy-Wall State Bank and Trust CompanyBank Pinckneyville, IL | 60 out of 100, Moderate | $206.1M | 11.0% | 1.67% | vs |
| Burling BankBank Chicago, IL | 54 out of 100, Below average | $214.2M | 13.6% | 3.77% | vs |
Deposit insurance
Is my money safe at The Farmers State Bank and Trust Company?
Yes. The Farmers State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #11747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.4% of deposits ($25.9M) 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 13.85%, 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%).
2 locations
Branches
The Farmers State Bank and Trust Company lists 2 offices in 1 city. Most locations:
- Jacksonville, IL (2)
Identity & history
Profile
- Legal name
- The Farmers State Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 11747
- RSSD ID
- 481944
- Primary regulator
- FDIC
- Holding company
- Farmers Holding Co
- Established
- January 1, 1910
- Headquarters
- 200 W State St, Jacksonville, IL 62650
- Website
- www.fsbtco.com
- Employees
- 47
Quick answers
The Farmers State Bank and Trust Company: common questions
Is The Farmers State Bank and Trust Company FDIC insured?
Yes. The Farmers State Bank and Trust Company is an FDIC-insured institution (FDIC certificate #11747). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Farmers State Bank and Trust Company's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Farmers State Bank and Trust Company ever failed?
There is no failure record for FDIC certificate #11747 in the FDIC failed bank list.
How many branches does The Farmers State Bank and Trust Company have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Jacksonville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Pittsfield, IL | 88 out of 100, Very strong | $339.8M | 15.0% | 0.23% | vs |
| Prairie State Bank and TrustBank Springfield, IL | 80 out of 100, Strong | $840.1M | 12.4% | 0.52% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Warren-Boynton State BankBank New Berlin, IL | 79 out of 100, Strong | $234.5M | 12.1% | 0.41% | vs |
| The First National Bank of ArenzvilleBank Arenzville, IL | 76 out of 100, Strong | $158.7M | 8.8% | 0.05% | vs |
| Petefish, Skiles & Co.Bank Virginia, IL | 75 out of 100, Strong | $501.6M | 9.1% | 0.14% | vs |