FDIC Cert #3821 · Nashville, Illinois · Est. 1906

The Farmers and Merchants National Bank of Nashville - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$278M
Total assets
A
Health grade · Excellent
1.54%
Return on assets
15.0%
Tier 1 capital

Data updated July 2026

The verdict

The Farmers and Merchants National Bank of Nashville earns a PlainBankData health grade of A (84/100), with well-capitalized at 15.00% Tier 1, profitable at 1.54% ROA, 61% efficiency ratio.

#2,605
largest of 4,313 FDIC banks by assets
40th
percentile by asset size, nationally
15.00%
Tier 1 ratio - above the 10% well-capitalized line
76th
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.

FDIC Call Report plate

Cert 3821 · IL A · 84/100

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

  • GRADE-A A (84/100)
  • MID-PACK #1457/4307
  • PHOTO-FINISH Southwest Bank of We… · OK
  • TIER1-WELL 15.0% Tier 1
  • TEXAS-CLEAN 5.4% Texas
  • ROA-STRONG 1.54% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Illinois: Southwest Bank of Weatherford, OK (±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 The Farmers and Merchants National Ba…

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

Morgan Stanley Bank,… · UT ·…100/100First Bank of Thomas · OK ·…84/100First National Bank · OK · n…84/100Southwest Bank of We… · OK ·…84/100The Farmers and Merc… · IL ·…84/100The First National B… · OK ·…84/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Farmers and Merchants National Ba… · July 2026

Call Report read for The Farmers and Merchants National Ba… in a high-failure state

The Farmers and Merchants National Bank of Nashville (FDIC Cert #3821) carries a PlainBankData health grade of A at 84/100, 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 #1,457 of 4,307. Tier 1 capital prints at 15.00%, clearing the 10% well-capitalized line. The Texas Ratio is 5.43%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.54%. Balance-sheet scale is $278M, 2,605th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Southwest Bank of Weatherford (OK), 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 The Farmers and Merchants National Ba…

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

The Farmers and Merchants National Bank of Nashville 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 The Farmers and Merchants National Bank of Nashville'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 The Farmers and Merchants National Bank of Nashville's 84/100 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 avg77/10084/100
The Farmers and Merchants National Bank of Nashville's composite health score
Tier 1 Capital Ratio (15.00%) 35/40
Return on Assets (ROA) (1.54%) 25/25
Texas Ratio (5.43%) 16/20
Efficiency Ratio (61.45%) 8/15

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

Balance sheet at a glance

Total Assets

$278M

Total balance-sheet footings

Total Deposits

$250M

Customer-funded liabilities

Net Loans

$188M

Outstanding loan book

Net Income

$4M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.6% 15% 16.4%
Basel III capital ratios - The Farmers and Merchants National Bank of Nashville

Where The Farmers and Merchants National Bank of Nashville ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers and Merchants National Bank of Nashville's score of 84/100 falls in the highlighted band.

The Farmers and Merchants National Bank of Nashville: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

84 Top 34% higher than 66% 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. The Farmers and Merchants National Ba… 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

The Farmers and Merchants National Bank of Nashville'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). The Farmers and Merchants National Bank of Nashville's $278M falls in the highlighted band.

Capital & credit buffers at The Farmers and Merchants National Ba…

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
15.00%
Texas Ratio
5.43%
Equity Capital
$27M

What these ratios mean →

Earnings posture at The Farmers and Merchants National Ba…

Return on Assets (ROA)
76th percentile nationally
1.54%
Return on Equity (ROE)
17.34%
Efficiency Ratio
61.45%

What these mean →

Income & expense at The Farmers and Merchants National Ba…

$13M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers and Merchants National Bank of Nashville reports a Texas Ratio of 5.43% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.43% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Farmers and Merchants National Bank of Nashville 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 ($278M here), outside Illinois so the neighborhood is not state containment.

Commercial Bank $278M · MO The First National Bank and Trust Com… $278M · OK The Commercial Bank $278M · MS Century Bank of the Ozarks $278M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers and Merchants National Bank of Nashville (FDIC Cert #3821) - 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.

The Farmers and Merchants National Bank of Nashville 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%