# FARMERS STATE BANK
PITTSFIELD, IL · FDIC certificate 11307 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $339.8M | |
| Deposits | $285.8M | |
| Loans and leases | $256.7M | |
| Total equity | $51.7M | |
| Loans / deposits | 88.97% (p68 of band) | 82.04% |
| Liquid assets / assets | 21.78% (p39 of band) | |
| Uninsured deposits / deposits | 19.24% (p26 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 15.02% (p89 of band) | 10.81% |
| Unrealized securities loss / equity | -1.65% (p82 of band) | -8.10% |
| AOCI / equity | 0.78% (p94 of band) | |
| ROA (annualized) | 1.40% (p58 of band) | 1.28% |
| Net interest margin | 4.34% (p75 of band) | 3.91% |
| Efficiency ratio | 66.29% (p65 of band) | |
| Noncurrent loans | 0.23% (p35 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p49 of band) | |
| Reserve coverage of noncurrent | 424.96% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 11.88% (p17 of band) | |
| Auto loans | $831,000 (0.32% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $3.7M (7% of equity) (p95 of band) | |
| Deposits YoY | 2.2% | |
| Employees | 37 | |

## Flags firing in the latest filing

- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | deposits shrinking |  |
| 2013-12 | 1 |  | deposits shrinking |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | reserve under noncurrent |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | reserve under noncurrent |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 2 |  | uninsured deposits leaving |
| 2023-09 | 0 |  | deposits shrinking, assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | reserve under noncurrent |  |
| 2025-09 | 0 |  | reserve under noncurrent |
| 2025-12 | 0 |  |  |
| 2026-03 | 2 | capital falling, expense ratio p90 |  |
| 2026-06 | 1 | uninsured deposits leaving | capital falling, expense ratio p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-10 [Farmers State Bank named among top five best places to work in Illinois - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNmRFUjBQZGRkMUNVa3BfNnUtLUNzWVU1UnhzNlFjQUpScnFtbFg4ekw4dFZrQlJLRFZ1NTVDdGdxXzBfSndaUTkyTHJaSFdSSnBsYmVxMHFXS3hhYTFtRHpLQXYxTGliVTJpeEVRUW56TWdIR2VqS01iOGlOVUNHRnVUUFZRR1JTNlVONkk2Q3g4cnZJRzY3ejNxbXJkTDh2TWdV?oc=5) · Jacksonville Journal-Courier
- 2025-10-16 [Banky™ Awards represent national recognition for Farmers State Bank - Muddy River News](https://news.google.com/rss/articles/CBMiygFBVV95cUxPdkYyVTZ6V3gxVmNkaFhkRWVmQzRIdnEwWWJCVTNsRnVTSVhWeW5KSzIxd0plTEhtZERnYmczZDVRU2d0WEt5VGg0WDJidGFOU2dkNUFKOEsxRWVlVDRkQ19Ia0xYSDlqb01iRV9wRnlnX2V2SEpFdTVLeDRLcl96WjRXc25meG9TNDk1cmhMX2hsekF2MGRmQWdmVXlHWV9GYVhyck5XTnRDbjUxZU1yZ0J1c3lPcjk4Q3g5UUIxd2VTY3JGWEpZRVNn?oc=5) · Muddy River News
- 2026-05-08 [Abby Whewell named vice president of Farmers State Bank - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOS0tNTHhlZHBpR2dJTzBqUGtFb0FkYURFRVdNVnNjdEg3UUlpWmRBZXRyTU1MbE80aDRoRko3N0RfS3RRZnJMeEdJUDFVdFhfeDlqbDlFQ01hMGNoOXBNOUJOZ0k1SndRSGlhM1dQeHBqTEVIYWhoWm5idnVVaWNoc1Jib3ctVTU5d1NibFBWRmdoQ1pVSi1lbGtrSFlaLWs4bzVDd1FUekk?oc=5) · Jacksonville Journal-Courier
- 2023-12-12 [Farmers State Bank Boosts Efficiency and Relevancy with IBISWorld - IBISWorld](https://news.google.com/rss/articles/CBMid0FVX3lxTE1CaWRvaHVQNm1nb1JXVjNLcTNtaU9zNHFuVGRnbG9GbktrR1l5a0R4TzVDWm90QlpuNXBtYXZDVW1CNkRLbjQxUG93a2p0cUJCM1lsUV9tV1RMWGRhWHVkOTJHQzYxOGdHcG9mRkpscjhpRmVGRl84?oc=5) · IBISWorld
- 2025-11-30 [Building in downtown Jacksonville turning into giant Advent calendar - The State Journal-Register](https://news.google.com/rss/articles/CBMiygFBVV95cUxNMjFmTnNGRlRpdVpnbUkxUW1YemxEU3pTR0NTU1Z3d18tazkxcnAwVm45U1FmZkNZUDl0ajZHLUpBNmQ5MmQ2NWZwRHhnYk1vRUY3VGRKYXdGNTdDdWpSZmd2SFg0a2FWMlFyc2RsVmZndGhVZXhoZV9rQVdWS1Z3YVdtSDhYTjdlb1hfd21kODFZbzBTT1BibkxfQnVWY2otZTJpZlNFLU1QZU4wWHpucUhRZXNTU09BemVWajRva2l1aFhRSWRLQVlB?oc=5) · The State Journal-Register
- 2025-04-17 [Farmers State Bank of Hoffman announces leadership transitio... - morningsentinel.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNjJUMEYxV3h2cVNFdHZtLW9YR3dVUkZkbzVoQzVlcWV4RTlpQlotZ1RjUFphMlpXVWxTQmE0TW5oNFluTjQ3RkdUcHpxalJPMi1kd2JkQ1BHQ1NiaHo0YU9kaTZEOHJJd25WTmViT1ZqN0Fsek5YQmlfN1dOZy1sOElmWV91YWQ0Wmt6S1hwRkNUUjBRNkthTmpxdzNjTkI2N2VkLWIzRHRocjQ?oc=5) · morningsentinel.com
- 2026-07-20 [Kansas’ Small Business Bank fails - Banking Dive](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNaUJ1Q2xPZjREN1dRTjFBcUhyRTlCT19RZGFTaF9KQUhRNk9FREloV0h3QmkwQy10c1BqdWNELWZUWHpMR29hZ2x1dGhkbFU0VzBJMDNBREZkaWJlQWJCaVk2U2d6QzRwVHdqZ1pPUEwxWGphVW5PT3YzbGJRbE1ucE5xTmROQ25KQVY5ak42aURRV05KU0xQM0g0T1NTUXFIb2NiLUVsVzhMalBDRjJTZ3lmRFg5NXFB?oc=5) · Banking Dive
- 2026-07-20 [Farmers State Bank Loan Options with Cameron Lewis - kcrg.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNSmZFR3dpeVFVTHhSdUlJODA3TjhSZEtRbGRNWG5qYVR4MU1URXFGVjFJZ1duSUZ4M2xRanVxS0s5ZWF6eHVnMXBRem9Wa2JCRHNhb3NEMEN4X0FuYW1DTGFxY1d0T2JQdUg2aDN3Q3R4TmFEQWhFcWo1ZUROVHZaMUVna21kVzJJNkItOUxhdm5nZDA?oc=5) · kcrg.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11307 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "11307", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide