Farmers State Bank & Trust Co. is a bank based in Mount Sterling, Illinois, established in 1914, with $131 million in total assets across 2 branches. By Trust Grade it ranks 242nd of 328 banks we track in Illinois. Its capital ratio of 8.3% trails most similarly sized banks (19th percentile), versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.51% return on assets. No consumer complaints against Farmers State Bank & Trust Co. appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Farmers State Bank & Trust Co. compares to Illinois peers
How we graded Farmers State Bank & Trust Co.
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.3% capital ratio)
- Strongly profitable (ROA 1.51%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers State Bank & Trust Co. over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 200 Pittsfield Rd, Mount Sterling, IL 62353
- 129 W Main St, Mount Sterling, IL 62353
Are deposits at Farmers State Bank & Trust Co. insured?
Yes. Farmers State Bank & Trust Co. is an FDIC-insured bank (FDIC certificate #10458). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Farmers State Bank & Trust Co.: frequently asked questions
Is Farmers State Bank & Trust Co. a good bank?
Farmers State Bank & Trust Co. earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Well-capitalized (8.3% capital ratio); Strongly profitable (ROA 1.51%).
Is Farmers State Bank & Trust Co. FDIC-insured?
Yes. Farmers State Bank & Trust Co. is a FDIC-insured bank (FDIC certificate #10458). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers State Bank & Trust Co.?
Farmers State Bank & Trust Co. holds $131 million in total assets, ranking 242nd of 328 banks we track in Illinois. It operates 2 branches.
Does Farmers State Bank & Trust Co. have CFPB complaints?
No CFPB complaints against Farmers State Bank & Trust Co. appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
