What is Farmers State Bank of Western Illinois's financial health grade?

Farmers State Bank of Western Illinois has a TFS Financial Health Grade of F (score: 59.1/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Farmers State Bank of Western Illinois have?

Farmers State Bank of Western Illinois has 6 branch locations across the United States.

Is Farmers State Bank of Western Illinois FDIC insured?

Yes, Farmers State Bank of Western Illinois is FDIC insured (Certificate #11680).

What are the total assets of Farmers State Bank of Western Illinois?

Farmers State Bank of Western Illinois has total assets of $170.7M as reported in its most recent FDIC filing.

Farmers State Bank of Western Illinois

BankAlpha, Illinois

http://www.fsbwil.com

Total Assets

$170.7M

Total Deposits

$147.2M

Branches

Established

1910

TFS Health Grade

59.1 / 100

Poor financial health

How we grade

Farmers State Bank of Western Illinois is a bank headquartered in Alpha, Illinois, established in 1910. With $170.7M in total assets and 6 branch locations, it has a TFS Financial Health Grade of F (59.1/100).

Capital & Safety

Tier 1 Capital Ratio

13.53%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.50%

Profitability

Return on Assets (ROA)

1.01%(1%)

Return on Equity (ROE)

9.38%(10%)

Net Interest Margin

3.63%

Efficiency Ratio

69.10%(60%)

Lending & Liquidity

Total Loans

$73.2M

Loan-to-Deposit Ratio

48.65%

Net Charge-Off Ratio

0.03%

Growth

Asset Growth (YoY)

+2.12%

Deposit Growth (YoY)

+0.24%

Net Income

$1.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Farmers State Bank of Western IllinoisHQ	124 W D St	Alpha	IL	11
Farmers State Bank of Western Illinois	201 S College Ave	Aledo	IL	11
Farmers State Bank of Western Illinois	205 East Broadway	Alexis	IL	11
Farmers State Bank of Western Illinois	600 Main St	New Windsor	IL	23
Farmers State Bank of Western Illinois	1803 13th St	Viola	IL	11
Farmers State Bank of Western Illinois	174 N Division St	Woodhull	IL	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.