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Q2 2026 · read from the 30 June 2026 Call Report · United States · Great Lakes · Illinois, the state note

Farmers National Bank

Prophetstown, Illinois · $896M in assets · beside the 11 other Illinois banks between $300M and $1B

The filing

45.0%
Efficiency
1st of 12
1.5%
CRE / loans
2nd of 12
5.6%
CRE / capital
2nd of 12

Farmers National Bank is the fourth largest of the 12 Illinois banks nearest its size between $300M and $1B, with $896M in assets at 30 June 2026. Loans are 79.5% of deposits, 6th of 12 against a median of 80.8%, and equity is 14.3% of assets, 3rd of 12. Loans grew +4.3% in the year, 5th of 12, and deposits grew 1.1%; the cohort's median loan growth is +1.6%.

Noncurrent loans are 0.23% of the book, 5th of 12 against a median of 0.70%; 0.45% is 30 to 89 days past due, and the allowance covers them 14.1 times. Commercial real estate is 1.5% of loans, 2nd of 12 against a median of 33.5%, and 6% of capital, below the 300% screen, with construction at 1% against the 100% screen.

Return on assets is 1.14%, 5th of 12 against a median of 0.91%, on an efficiency ratio of 45.0%, the lowest in the cohort. Five years ago it was 1.57%. The question is which of these lines moves first over the next four quarters, and against which peer.

The efficiency ratioIL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 69.5% FN Farmers National Bank 45.0% IB International Bank of Chicago 55.2% PS Prairie State Bank & Trust 60.2% FN First National Bank of Waterloo 63.8% HS Home State Bank N.A. 68.0% RB Resource Bank National Association 69.2% MB Millennium Bank 69.7% SV Sauk Valley Bank & Trust Co. 71.2% FB Fortress Bank 79.8% CB Cibm Bank 80.9% LB Liberty Bank for Savings 82.6% FS First Savings Bank of Hegewisch 91.0%
Loans, year over yearIL banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +1.6% MB Millennium Bank +6.3% FB Fortress Bank +5.9% SV Sauk Valley Bank & Trust Co. +5.6% HS Home State Bank N.A. +4.8% FN Farmers National Bank +4.3% FN First National Bank of Waterloo +3.2% PS Prairie State Bank & Trust +0.0% RB Resource Bank National Association -0.4% CB Cibm Bank -0.8% IB International Bank of Chicago -2.0% LB Liberty Bank for Savings -2.4% FS First Savings Bank of Hegewisch -4.1%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 3 CBLR filers, Farmers National Bank among them; owner-occupied excluded; bold marks a screen met
Farmers National BankRankCohort median
Total CRE against capital, the 300% screen6%2nd of 12210%
Construction against capital, the 100% screen1%3rd of 1236%
Construction and land development, share of loans0.2%3rd of 126.2%
Non-owner-occupied nonfarm nonresidential, share of loans1.0%3rd of 1218.5%
Total CRE, the guidance definition, share of loans1.5%2nd of 1233.5%
CRE growth over 36 months, the third prong+28.2%8th of 12+24.1%
Commercial real estate against capital, the 300% screenIL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 210% FS First Savings Bank of Hegewisch 3% FN Farmers National Bank 6% LB Liberty Bank for Savings 38% SV Sauk Valley Bank & Trust Co. 126% HS Home State Bank N.A. 176% RB Resource Bank National Association 207% FN First National Bank of Waterloo 214% PS Prairie State Bank & Trust 229% IB International Bank of Chicago 238% FB Fortress Bank 264% CB Cibm Bank 319% MB Millennium Bank 444%
CRE growth over 36 months, the guidance's third prongIL banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median +24.1% FS First Savings Bank of Hegewisch -15.5% IB International Bank of Chicago -2.6% CB Cibm Bank -0.5% RB Resource Bank National Association +8.4% FN First National Bank of Waterloo +14.2% HS Home State Bank N.A. +24.0% LB Liberty Bank for Savings +24.2% FN Farmers National Bank +28.2% SV Sauk Valley Bank & Trust Co. +36.1% FB Fortress Bank +36.1% PS Prairie State Bank & Trust +38.0% MB Millennium Bank +133.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
International Bank of Chicago$983M1.8%55.2%0.05%0.00%1.7%86.6%11.6%
First National Bank of Waterloo$929M0.9%63.8%1.33%0.03%1.6%70.3%9.9%
Fortress Bank$897M0.9%79.8%1.99%0.70%1.3%100.7%9.5%
Farmers National Bank$896M1.1%45.0%0.23%0.00%3.2%79.5%14.3%
Liberty Bank for Savings$869M0.4%82.6%0.04%0.00%0.5%82.6%23.4%
Resource Bank National Association$869M1.3%69.2%2.44%0.00%1.2%64.0%7.6%
Millennium Bank$844M0.6%69.7%4.37%0.23%1.5%96.3%9.4%
Prairie State Bank & Trust$840M1.6%60.2%0.52%0.04%1.1%75.7%12.1%
Cibm Bank$820M0.5%80.9%1.08%0.21%1.2%99.8%9.8%
Sauk Valley Bank & Trust Co.$791M0.8%71.2%0.87%-0.04%1.4%82.0%7.6%
First Savings Bank of Hegewisch$787M0.1%91.0%0.06%0.00%0.5%53.1%15.0%
Home State Bank N.A.$776M1.5%68.0%0.07%-0.01%1.2%75.4%10.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Farmers National BankCohort median
20212026Change20212026Change
Loans$376M$507M+35%$404M$549M+36%
Deposits$592M$637M+8%$648M$687M+6%
NPA / loans0.58%0.23%-0.35 pts0.70%0.70%-0.00 pts
Efficiency39.9%45.0%+5.1 pts68.6%69.5%+0.8 pts
ROA1.57%1.14%-0.43 pts1.01%0.91%-0.11 pts

This read was prepared for Farmers National Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Farmers National Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort IL banks $300M to $1B
Institution www.farmersnationalbank.bank

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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