Total Assets
$355M
Total balance-sheet footings
FDIC Cert #11299 · Alto Pass, Illinois · Est. 1910
Farmers State Bank of Alto Pass, Ill. - FDIC Bank Health Profile
A community-scale look at Farmers State Bank of Alto Pass, Ill.'s own numbers, pulled straight from its quarterly FDIC Call Report.
- $355M
- Total assets
- B
- Health grade · Good
- 1.61%
- Return on assets
- 11.8%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers State Bank of Alto Pass, Ill. earns a PlainBankData health grade of B (73/100), with well-capitalized at 11.81% Tier 1, profitable at 1.61% ROA, 72% efficiency ratio.
- #2,259
- largest of 4,313 FDIC banks by assets
- 48th
- percentile by asset size, nationally
- 11.81%
- Tier 1 ratio - above the 10% well-capitalized line
- 79th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Farmers State Bank of Alto Pass, Ill.'s 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers State Bank of Alto Pass, Ill.'s composite health score
Tier 1 Capital Ratio (11.81%) 28/40
Return on Assets (ROA) (1.61%) 25/25
Texas Ratio (13.35%) 16/20
Efficiency Ratio (71.70%) 4/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$322M
Customer-funded liabilities
Net Loans
$298M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers State Bank of Alto Pass, Ill. ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers State Bank of Alto Pass, Ill.'s score of 73/100 falls in the highlighted band.
Farmers State Bank of Alto Pass, Ill.'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 State Bank of Alto Pass, Ill.'s $355M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.81%
Texas Ratio
13.35%
Equity Capital
$32M
Profitability metrics
Return on Assets (ROA)
79th percentile nationally
1.61%
Return on Equity (ROE)
18.60%
Efficiency Ratio
71.70%
What the numbers say about Farmers State Bank of Alto Pass, Ill.
Farmers State Bank of Alto Pass, Ill. is an FDIC-insured institution (Certificate #11299) headquartered in Alto Pass, Illinois, established in 1910. It holds $355M in total assets - 2,259th of 4,313 FDIC-insured banks, $322M in customer deposits, and $298M in net loans. Capital-wise, the Tier 1 ratio sits at 11.81%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 13.35%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Farmers State Bank of Alto Pass, Ill. sits 136th of 330 banks headquartered in Illinois by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$24M
Interest Income
$3M
Non-Interest Income
$16M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers State Bank of Alto Pass, Ill. reports a Texas Ratio of 13.35% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
13.35% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Illinois by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers State Bank of Alto Pass, Ill. (FDIC Cert #11299) - 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.
Other banks in Illinois
All Illinois banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Farmers State Bank of Alto Pass, Ill.'s health grade?▼
Farmers State Bank of Alto Pass, Ill. receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Farmers State Bank of Alto Pass, Ill.?▼
Farmers State Bank of Alto Pass, Ill. holds $355M in total assets and $322M in deposits, ranking 2,259th of 4,313 FDIC-insured banks by asset size. It is headquartered in Alto Pass, Illinois.
Is my money safe at Farmers State Bank of Alto Pass, Ill.?▼
Yes, deposits at Farmers State Bank of Alto Pass, Ill. (Certificate #11299) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers State Bank of Alto Pass, Ill.'s Tier 1 Capital Ratio?▼
Farmers State Bank of Alto Pass, Ill. has a Tier 1 Capital Ratio of 11.81%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Farmers State Bank of Alto Pass, Ill.?▼
Farmers State Bank of Alto Pass, Ill. has a Texas Ratio of 13.35%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers State Bank of Alto Pass, Ill.?▼
Farmers State Bank of Alto Pass, Ill. has an Efficiency Ratio of 71.70%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers State Bank of Alto Pass, Ill.'s profile as a depositor or analyst.
- Farmers State Bank of Alto Pass, Ill.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers State Bank of Alto Pass, Ill. against other Illinois banks before moving funds. Illinois banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.