IL lenders / Community Bank
The Farmers State Bank and Trust Company
Community Bank · Jacksonville, IL · Farmers Holding Co
- Total assets
- $214.4M
- CRE loan book
- $34.8M
- QoQ CRE growth
- -10.8%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 5.84% as of Q1 2026 — TX bank median 4.87% (0.97pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 5.84% | 6.03% |
| Q4 2025 | 6.12% | 6.27% |
| Q3 2025 | 6.01% | 6.32% |
| Q2 2025 | 5.83% | 6.16% |
| Q1 2025 | 5.62% | 6.02% |
| Q4 2024 | 5.58% | 5.99% |
| Q3 2024 | 5.54% | 6.02% |
| Q2 2024 | 5.43% | 6.02% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $34.8M | $2.2M | $1.6M | 81% | $1.0M |
| Q4 2025 | $39.0M | $2.2M | $5.3M | 95% | $1.1M |
| Q3 2025 | $37.8M | $2.1M | $5.3M | 96% | $1.1M |
| Q2 2025 | $39.9M | $1.8M | $5.4M | 103% | $1.1M |
| Q1 2025 | $40.8M | $3.8M | $5.4M | 111% | $1.1M |
| Q4 2024 | $42.2M | $4.2M | $5.5M | 117% | $1.2M |
| Q3 2024 | $41.9M | $4.4M | $5.5M | 115% | $1.2M |
| Q2 2024 | $42.0M | $4.4M | $5.5M | 117% | $1.2M |
Similar lenders
Other community banks we track with a comparable CRE book size.
- State Street Bank and Trust CompanyCommunity Bank · Quincy · $34.8M CRE book
- Bank of ColumbiaCommunity Bank · Columbia · $34.8M CRE book
- Flatwater BankCommunity Bank · Gothenburg · $34.9M CRE book
- Marblehead BankCommunity Bank · Marblehead · $35.0M CRE book
- The Clay City Banking Co.Community Bank · Clay City · $35.0M CRE book
See all alternatives to The Farmers State Bank and Trust Company →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.