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Farmers State Bank Of Emden

Emden, IL · Est. 1891
A
Trust Grade
Excellent
Score: 98/100

Farmers State Bank Of Emden is a bank based in Emden, Illinois, established in 1891, with $38 million in total assets across 1 branch. By Trust Grade it ranks 2nd of 328 banks we track in Illinois. Its capital ratio of 29.1% is stronger than 93% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.44% return on assets. No consumer complaints against Farmers State Bank Of Emden appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$38.3M
<$100M institution
Deposits
$26.9M
Branches
1
Capital ratio
29.1%
Top 7% of <$100M peers · Illinois median 10.3%
Return on assets
1.4%
Top 25% of <$100M peers · Illinois median 1.1%
Rank in Illinois
#2
of 328 banks

How Farmers State Bank Of Emden compares to Illinois peers

Capital ratio
Top 7% of <$100M peers
Farmers State
29.1%
Illinois median
10.3%
Higher capital ratio = stronger financial cushion
Return on assets
Top 25% of <$100M peers
Farmers State
1.4%
Illinois median
1.1%
Higher ROA = more profitable relative to asset base

How we graded Farmers State Bank Of Emden

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (29.1% capital ratio)
  • Strongly profitable (ROA 1.44%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Farmers State Bank Of Emden over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (1)

  • 205 Lincoln St, Emden, IL 62635

Are deposits at Farmers State Bank Of Emden insured?

Yes. Farmers State Bank Of Emden is an FDIC-insured bank (FDIC certificate #10077). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Farmers State Bank Of Emden: frequently asked questions

Is Farmers State Bank Of Emden a good bank?

Farmers State Bank Of Emden earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (29.1% capital ratio); Strongly profitable (ROA 1.44%).

Is Farmers State Bank Of Emden FDIC-insured?

Yes. Farmers State Bank Of Emden is a FDIC-insured bank (FDIC certificate #10077). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Farmers State Bank Of Emden?

Farmers State Bank Of Emden holds $38 million in total assets, ranking 2nd of 328 banks we track in Illinois. It operates 1 branch.

Does Farmers State Bank Of Emden have CFPB complaints?

No CFPB complaints against Farmers State Bank Of Emden appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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