Farmers State Bank & Trust Co.
Mount Sterling, IL
IDRSSD: 510947
Total Assets
$134.15M
Latest filing
Total Deposits
$122.00M
Latest filing
Net Interest Margin
3.95%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers State Bank & Trust Co.
129 W Main St
Mount Sterling, IL 62353
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1914FDIC Certificate 6688
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers State Bank & Trust Co. (Main) | 129 W Main St | Mount Sterling, IL |
| IGA BRANCH | 200 Pittsfield Rd | Mount Sterling, IL |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62353 |
| State and County Number | 17009 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 08 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/27/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsb-tc.com |
| Data Updated | 01/30/2026 |
| CERT | 10458 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $134.15M |
| Total Deposits | $122.00M |
| Total Liabilities | $123.39M |
| Total Equity Capital | $10.76M |
| Net Income | $412.00k |
| Net Loans and Leases | $90.87M |
| Assets Per Employee ($Millions) | $7.89M |
| Bank Premises and Fixed Assets | $1.10M |
| Cash and Balances due from Depository Institutions | $10.83M |
| Deposits Held in Domestic Offices | $122.00M |
Key Performance Ratios
| Return on Assets (ROA) | 1.25% |
| Return on Equity (ROE) | 15.4% |
| Net Interest Margin | 3.95% |
| Efficiency Ratio | 57.03% |
| Tier 1 Risk-Based Capital Ratio | 12.395% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.017% |
| Earning Assets to total Assets | 94.36% |
Income and Expense
| Total Interest Income | $1.76M |
| Total Noninterest Income | $144.00k |
| Total Interest Expense | $543.00k |
| Total Noninterest Expense | $779.00k |
| Net Interest Income | $1.22M |
| Pre-tax Net Operating Income | $557.00k |
| Provision for Credit Losses | $30.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.64M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.39M |
| Total Liabilities and Capital | $134.15M |
Securities
| Securities | $25.07M |
| Available-for-sale debt securities | $25.07M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers State Bank & Trust Co.?
$134.15M as of the latest filing.
How much are Farmers State Bank & Trust Co.'s total deposits?
$122.00M in total deposits.
Where is Farmers State Bank & Trust Co. located?
Mount Sterling, IL.
What is the Net Interest Margin?
3.95%.
How many domestic offices does it operate?
2.
When was it established?
06/01/1914.
What is the Return on Assets (ROA)?
1.25%.
How much are total loans and leases?
$90.87M (latest filing).
What is the total interest income (latest filing)?
$1.76M.