FDIC Cert #10469 · Hutsonville, Illinois · Est. 1920

Farmers & Merchants Bank of Hutsonville - FDIC Bank Health Profile

A community-scale look at Farmers & Merchants Bank of Hutsonville's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$52M
Total assets
A
Health grade · Excellent
1.29%
Return on assets
17.6%
Tier 1 capital

Data updated July 2026

The verdict

Farmers & Merchants Bank of Hutsonville earns a PlainBankData health grade of A (88/100), with well-capitalized at 17.56% Tier 1, profitable at 1.29% ROA, 63% efficiency ratio.

#4,121
largest of 4,313 FDIC banks by assets
4th
percentile by asset size, nationally
17.56%
Tier 1 ratio - above the 10% well-capitalized line
64th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 10469 · IL A · 88/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-A A (88/100)
  • MID-PACK #1138/4307
  • PHOTO-FINISH Iowa State Bank · IA
  • TIER1-WELL 17.6% Tier 1
  • TEXAS-CLEAN 1.0% Texas
  • ROA-STRONG 1.29% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Iowa State Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers & Merchants Bank of Hutsonvil…

Lowest and highest poles plus nearest scored peers outside Illinois, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Builtwell Bank · TN · near88/100Farmers & Merchants… · IL · …88/100Iowa State Bank · IA · near88/100Sherburne State Bank · MN · …88/100State Bank of Missouri · MO …88/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers & Merchants Bank of Hutsonvil… · July 2026

Call Report read for Farmers & Merchants Bank of Hutsonvil… in a high-failure state

Farmers & Merchants Bank of Hutsonville (FDIC Cert #10469) carries a PlainBankData health grade of A at 88/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,138 of 4,307. Tier 1 capital prints at 17.56%, clearing the 10% well-capitalized line. The Texas Ratio is 0.98%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.29%. Balance-sheet scale is $52M, 4,121st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Iowa State Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers & Merchants Bank of Hutsonvil…

71 FAILURE resolutions in Illinois since 2000, heavy vs the state corpus

Farmers & Merchants Bank of Hutsonville sits in one of the heavier post-2000 FAILURE states (71 resolutions; latest year 2026). The list below is state history from the Failed Bank List, not a claim about Farmers & Merchants Bank of Hutsonville's current Call Report.

  • METROPOLITAN CAPITAL B&T CHICAGO, IL 2026 → FIRST INDEPENDENCE BANK
  • PULASKI SAVINGS BANK CHICAGO, IL 2025 → MILLENNIUM BANK
  • FAYETTE COUNTY BANK SAINT ELMO, IL 2017 → UNITED FIDELITY BANK, FSB

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Illinois banks.

How Farmers & Merchants Bank of Hutsonville's 88/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10088/100
Farmers & Merchants Bank of Hutsonville's composite health score
Tier 1 Capital Ratio (17.56%) 40/40
Return on Assets (ROA) (1.29%) 20/25
Texas Ratio (0.98%) 20/20
Efficiency Ratio (62.84%) 8/15

88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$52M

Total balance-sheet footings

Total Deposits

$43M

Customer-funded liabilities

Net Loans

$36M

Outstanding loan book

Net Income

$661K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.16% 17.56% 18.96%
Basel III capital ratios - Farmers & Merchants Bank of Hutsonville

Where Farmers & Merchants Bank of Hutsonville ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers & Merchants Bank of Hutsonville's score of 88/100 falls in the highlighted band.

Farmers & Merchants Bank of Hutsonville: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

88 Top 26% higher than 74% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers & Merchants Bank of Hutsonvil… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Farmers & Merchants Bank of Hutsonville's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers & Merchants Bank of Hutsonville's $52M falls in the highlighted band.

Capital & credit buffers at Farmers & Merchants Bank of Hutsonvil…

Tier 1 capital ratio
Well-capitalized 10%

17.56% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.56%
Texas Ratio
0.98%
Equity Capital
$9M

What these ratios mean →

Earnings posture at Farmers & Merchants Bank of Hutsonvil…

Return on Assets (ROA)
64th percentile nationally
1.29%
Return on Equity (ROE)
7.12%
Efficiency Ratio
62.84%

What these mean →

Income & expense at Farmers & Merchants Bank of Hutsonvil…

$3M
Interest Income
$94K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers & Merchants Bank of Hutsonville reports a Texas Ratio of 0.98% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.98% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Farmers & Merchants Bank of Hutsonville on FDIC BankFind →

Top banks in Illinois by total assets

Largest banks headquartered in Illinois
  1. 1
    BMO Bank $252.1B

    Chicago, IL · Grade A

  2. 2
    The Northern Trust Company $176.4B

    Chicago, IL · Grade B

  3. 3
    CIBC Bank USA $64.0B

    Chicago, IL · Grade A

  4. 4
    Busey Bank $18.1B

    Champaign, IL · Grade A

  5. 5
    Byline Bank $9.6B

    Chicago, IL · Grade A

Top 5 banks in Illinois ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($52M here), outside Illinois so the neighborhood is not state containment.

Rayne Building and Loan Association $52M · LA United Minnesota Bank $52M · MN First State Bank $52M · OK The Granger National Bank $52M · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers & Merchants Bank of Hutsonville (FDIC Cert #10469) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Farmers & Merchants Bank of Hutsonville Call Report profile · FDIC Failed Bank List · Illinois FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Illinois

All Illinois banks →
BankAssetsGradeROA
BMO Bank National AssociationChicago $252.1B A 0.95%
The Northern Trust CompanyChicago $176.4B B 1.02%
CIBC Bank USAChicago $64.0B A 1.47%
Busey BankChampaign $18.1B A 0.92%
Byline BankChicago $9.6B A 1.47%
Wintrust Bank, National AssociationChicago $9.6B A 1.88%
Lake Forest Bank & Trust Company, National AssociationLake Forest $9.4B A 2.20%
First American BankElk Grove Village $8.1B A 1.72%