Farmers State Bank of Emden
Emden, IL
IDRSSD: 860231
Total Assets
$37.15M
Latest filing
Total Deposits
$25.94M
Latest filing
Net Interest Margin
3.48%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers State Bank of Emden
205 Lincoln St
Emden, IL 62635
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/25/1891FDIC Certificate 6444
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Farmers State Bank of Emden (Main) | 205 Lincoln St | Emden, IL | ||
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 | 05/25/1891 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 62635 |
| State and County Number | 17107 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| 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 | Lincoln, IL |
Operational Info
| Number of Employees | 5 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | N/A |
| Data Updated | 01/30/2026 |
| CERT | 10077 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $37.15M |
| Total Deposits | $25.94M |
| Total Liabilities | $26.12M |
| Total Equity Capital | $11.03M |
| Net Income | $111.00k |
| Net Loans and Leases | $13.13M |
| Assets Per Employee ($Millions) | $6.19M |
| Bank Premises and Fixed Assets | $65.00k |
| Cash and Balances due from Depository Institutions | $2.00M |
| Deposits Held in Domestic Offices | $25.94M |
Key Performance Ratios
| Return on Assets (ROA) | 1.19% |
| Return on Equity (ROE) | 4.03% |
| Net Interest Margin | 3.48% |
| Efficiency Ratio | 54.26% |
| Tier 1 Risk-Based Capital Ratio | 60.284% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 29.687% |
| Earning Assets to total Assets | 93.46% |
Income and Expense
| Total Interest Income | $366.00k |
| Total Noninterest Income | $6.00k |
| Total Interest Expense | $55.00k |
| Total Noninterest Expense | $172.00k |
| Net Interest Income | $311.00k |
| Pre-tax Net Operating Income | $138.00k |
| Provision for Credit Losses | $7.00k |
| 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 | $242.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $182.00k |
| Total Liabilities and Capital | $37.15M |
Securities
| Securities | $21.35M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $21.35M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers State Bank of Emden?
$37.15M as of the latest filing.
How much are Farmers State Bank of Emden's total deposits?
$25.94M in total deposits.
Where is Farmers State Bank of Emden located?
Emden, IL.
What is the Net Interest Margin?
3.48%.
How many domestic offices does it operate?
1.
When was it established?
05/25/1891.
What is the Return on Assets (ROA)?
1.19%.
How much are total loans and leases?
$13.13M (latest filing).
What is the total interest income (latest filing)?
$366.00k.