# FARMERS NATIONAL BANK
PROPHETSTOWN, IL · FDIC certificate 3732 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $895.7M | |
| Deposits | $637.2M | |
| Loans and leases | $506.6M | |
| Total equity | $128.0M | |
| Loans / deposits | 76.94% (p39 of band) | 82.04% |
| Liquid assets / assets | 37.06% (p78 of band) | |
| Uninsured deposits / deposits | 21.96% (p36 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 13.82% (p85 of band) | |
| FHLB advances / assets | 10.73% | |
| Tier 1 leverage | 15.03% (p90 of band) | 10.81% |
| Unrealized securities loss / equity | -12.37% (p38 of band) | -8.10% |
| AOCI / equity | 0.11% (p85 of band) | |
| ROA (annualized) | 1.17% (p44 of band) | 1.28% |
| Net interest margin | 3.30% (p20 of band) | 3.91% |
| Efficiency ratio | 44.96% (p10 of band) | |
| Noncurrent loans | 0.23% (p35 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 1406.19% | |
| Real estate % of loans | 65% | |
| Construction % of loans | 0.76% (p4 of band) | |
| Auto loans | $2.8M (0.56% of loans; DQ 1.44%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 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 | 1 | capital falling |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 1 | noncurrent p90 |  |
| 2018-09 | 1 | wholesale funding >15% | noncurrent p90 |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | deposits shrinking |  |
| 2019-06 | 3 | uninsured deposits leaving |  |
| 2019-09 | 1 |  | deposits shrinking, uninsured deposits leaving |
| 2019-12 | 2 | noncurrent p90 |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | noncurrent p90 |
| 2020-09 | 2 | noncurrent p90 |  |
| 2020-12 | 1 |  | noncurrent p90 |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | wholesale funding >15% |
| 2022-03 | 0 |  |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 | wholesale funding >15% |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | wholesale funding >15% |

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

- 2026-03-11 [Middlefield Bank Merges with Farmers National - Geauga County Maple Leaf](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPZ0lncGk1WmotdW43VWxZOG5LeUo5ZFhzX1lYa0ZzV1hER3RTMUVjZy1HV29YaXhJZXNWVmFnN1h5dHc1UlRiWG1qREsxZHpzazUyRmQ3LXh3bXhVV0JrX20yZmJsWVI4OExfVUlobU5LWXg2NEtvLUxjX3kxMHVlRG9wWV91Z0QxUnNz?oc=5) · Geauga County Maple Leaf
- 2025-10-23 [Ohio banks to merge in $299M deal - Banking Dive](https://news.google.com/rss/articles/CBMipgFBVV95cUxPcC1la25EQWxXT3dLLWVNc1M4ak1zX3JpUVo2enhWZ3l4N3YtMEhoaUR1eHBmXzB6UFRTdkE4OUNjVHZwVmFoLUwyVWd2UlZUanBvdWFtNENtZHdwekJyN01HTXZNQ0s3NV9EYk9ZalRDaW9Rb1ZTWU5WRktTN1dnVDd4NXlVbjlIc19jMTdfOHd0TTZRbE9FWGdmUVdYU2VLaEVOMXFB?oc=5) · Banking Dive
- 2018-02-07 [Former Geneseo bank executive pleads guilty to embezzlement - WQAD](https://news.google.com/rss/articles/CBMi8AFBVV95cUxPRU54Z0NKT1dkY0NtTE05MlU2UkNRNzhneUJEZzB3eWQ0NUljM2xMb2RwY3oyRXlsM1d1cThYaEdLU0x1dGFIamtSVloxWDFwQlRISHJMX2ZvUHplR0cxU0JSb3ZaWC0tVDBQS1p3YzYtVGViSDBNQ1lHUHlZZEhNYV9LM0hnSVJpLWptOVRyd01zMko5cGpNOFlwemVIcVZlSDItSTRpQzlPVGpiempPQTFPQ3FvMXBVOHFRMXVWNGhFOGt2OGZPR3VjU1YxeGZqdEs0ZWpHZWF0c3RzR2lQT0RWbkllUFI0d1RrSnVtTVY?oc=5) · WQAD
- 2025-05-03 [3 promoted at Farmers National Bank - Shaw Local](https://news.google.com/rss/articles/CBMijgFBVV95cUxNNkY4S25YX1l6VGxmZjFVbUEyd1h5SFlOa01hbEQxS3FDQ1lHNFJFN0JQd1B2OFNUZDYyX0FzSVdZWlU5STc5TkpjTzhLM0MyRVhQQ2M5a0JzckJyRWpaSDlNMk9uM3BDYmoxaWJscWxITHZobXRBdnB6eUE2eEw2SmdKUXFfNkljdHVEVlRn?oc=5) · Shaw Local
- 2024-10-24 [Griggsville Bancshares to acquire Scott Morgan Bancorp, banks to merge - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMicEFVX3lxTE9vUjYwQ1BBYTRNbTlTV0xzRTl4VUdIYWNOYlJObVRCWXM2aVE5TU9SRzNsbFh4ZXpUS0xrUHVSWDdfZzVERldJeVdwaFU0WjUwVGRraW0zOEZNQldYUUVNN1NnN2RxVFpxR1VuUFBZY0k?oc=5) · Jacksonville Journal-Courier
- 2023-09-20 [Rare/Old Coin Evaluations at Farmers National Bank - TheCity1](https://news.google.com/rss/articles/CBMifEFVX3lxTFBBb2dqUzBqY2dWTkdZNHVyWm1XMzl0TFl5WWQwZVMzTC1aQXFSSTc2S0lMN0F0WWN0MjBIV1ctUXBmYmk4cVkycUlQUEFZMVFhNzE2NkxmYkdyUHcyTEc4RXdMSlJhYTRCeGIxaUNWM0lEdTl5bVdUUGJ6M3k?oc=5) · TheCity1
- 2023-06-20 [Forbes 2026 America's Best Banks In Each State List - Forbes](https://news.google.com/rss/articles/CBMiXkFVX3lxTE4xcm9keG1VQVdlREh4RG0tMFA2NktMQ1M4SjBicWxRTkJ3a0lOQTVqSXA0d1FkZ0RPOXQxWjFXYzg5SWhNNTBTU0Rqa0Vuekp2TzR5WnhXLTBwel9MdWc?oc=5) · Forbes
- 2019-05-26 [First and Farmers National Bank announces consolidation - somerset-kentucky.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQaHJjY21NbjlHTW15VV94R3RvNDN0aVdNUDJoRk4xNGhBOGw4QlNia19QT0dvMmlRV0kxWW14dldLNFJBZFB2Sk1MSnV6VVVKQjdja0E0bVM2M01iYllZRnBfYkJhME1NaW84a2VyeDdEbk91UkxUWjU4aXFUekJXVFBpY3hBUy1KY2dDT0tmT2FOOEZZT05YMFNfcG41OGxzTjdMcV9xSFdtTkdncHlCd2RlMVlQRkRWd0I5Y3pIcjczQTlEWTkzSDJFNlpLdXRiV1FVS3NXeHI1bGxXT0FKTmg3dnRLR3VWRWRJ?oc=5) · somerset-kentucky.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3732 (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/20.json (key "3732", 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