Farmers State Bank Of Emden vs Town & Country Bank Midwest
Comparing a Bank in Emden, IL with a Bank in Quincy, IL using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Farmers State Bank Of Emden ↗ Bank · Emden, IL · Est. 1891 | Town & Country Bank Midwest ↗ Bank · Quincy, IL · Est. 1910 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Emden, IL | Quincy, IL |
| Total assets | $38.3M | $286.6M |
| Capital ratio | 29.1% | 14.5% |
| Return on assets | 1.4% | 3.3% |
| Deposits | $26.9M | $244.4M |
| Branches | 1 | 6 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 328 | #6 of 328 |
| Established | 1891 | 1910 |
Farmers State Bank Of Emden
- Assets: $38.3M
- Deposits: $26.9M
- Capital ratio: 29.1%
- Return on assets: 1.4%
- CFPB complaints: 0
- State rank: #2 of 328
Town & Country Bank Midwest
- Assets: $286.6M
- Deposits: $244.4M
- Capital ratio: 14.5%
- Return on assets: 3.3%
- CFPB complaints: 0
- State rank: #6 of 328
Are both institutions federally insured?
Yes. Farmers State Bank Of Emden is FDIC-insured and Town & Country Bank Midwest is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Farmers State Bank Of Emden or Town & Country Bank Midwest?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Farmers State Bank Of Emden scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Farmers State Bank Of Emden safe?
Yes — Farmers State Bank Of Emden is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Town & Country Bank Midwest safe?
Yes — Town & Country Bank Midwest is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Farmers State Bank Of Emden vs Town & Country Bank Midwest?
Farmers State Bank Of Emden has a capital ratio of 29.1%, placing it in the top 7% of <$100M peers. Town & Country Bank Midwest's ratio is 14.5%, placing it in the top 13% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Farmers State Bank Of Emden have compared to Town & Country Bank Midwest?
The CFPB database shows 0 complaints against Farmers State Bank Of Emden, and 0 complaints against Town & Country Bank Midwest. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Farmers State Bank Of Emden with other Banks in Illinois
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
