Total Assets
$278M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The Farmers and Merchants National Bank of Nashville — FDIC Bank Health Profile
Nashville, Illinois · Est. 1906. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #3821 Chicago Region
B
Health grade
Good
Score: 68/100
Basel III capital ratios — The Farmers and Merchants National Bank of Nashville
Total Deposits
$250M
Customer-funded liabilities
Net Loans
$188M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
15.00% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
15.00%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$27M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.54%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
17.34%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
61.45%
Income & Expense Breakdown
$13M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense
FDIC Deposit Insurance
The Farmers and Merchants National Bank of Nashville is FDIC-insured (Certificate #3821). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The Farmers and Merchants National Bank of Nashville
The Farmers and Merchants National Bank of Nashville is an FDIC-insured institution (Certificate #3821) headquartered in Nashville, Illinois, established in 1906. The bank currently holds $278M in total assets and $250M in customer deposits, with $188M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The Farmers and Merchants National Bank of Nashville reports a Tier 1 Capital Ratio of 15.00% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $27M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.54% and a Return on Equity of 17.34%, with an Efficiency Ratio of 61.45% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of B (68/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The Farmers and Merchants National Bank of Nashville is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Illinois by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The Farmers and Merchants National Bank of Nashville (FDIC Cert #3821) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Association Chicago | $252.1B | C | 0.95% |
| The Northern Trust Company Chicago | $176.4B | C | 1.02% |
| CIBC Bank USA Chicago | $64.0B | B | 1.47% |
| Busey Bank Champaign | $18.1B | C | 0.92% |
| Byline Bank Chicago | $9.6B | B | 1.47% |
| Wintrust Bank, National Association Chicago | $9.6B | B | 1.88% |
| Lake Forest Bank & Trust Company, National Association Lake Forest | $9.4B | B | 2.20% |
| First American Bank Elk Grove Village | $8.1B | B | 1.72% |
Frequently Asked Questions
What is The Farmers and Merchants National Bank of Nashville's health grade? ▼
The Farmers and Merchants National Bank of Nashville receives a health grade of B (68/100) 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 The Farmers and Merchants National Bank of Nashville? ▼
The Farmers and Merchants National Bank of Nashville holds $278M in total assets and $250M in deposits. It is headquartered in Nashville, Illinois.
Is my money safe at The Farmers and Merchants National Bank of Nashville? ▼
Yes. The Farmers and Merchants National Bank of Nashville is FDIC-insured (Certificate #3821). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The Farmers and Merchants National Bank of Nashville's Tier 1 Capital Ratio? ▼
The Farmers and Merchants National Bank of Nashville has a Tier 1 Capital Ratio of 15.00%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The Farmers and Merchants National Bank of Nashville? ▼
The Farmers and Merchants National Bank of Nashville has an Efficiency Ratio of 61.45%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.