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This institution is no longer active

Operations ceased on January 26, 2024. CRA examination history below reflects the period it was active.

FARMERS-MERCHANTS BANK OF ILLINOIS

JOY, IL · Supervised by FDIC

Est. 1921FDIC #11,329RSSD: FDIC-11329
Part ofMERCHANTS BCORP→ View all charters
Satisfactory Same

Current rating · Exam: August 2022

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.71%

Institution Profile

FDIC BankFind

Address

101 W Main St, JOY, IL

County

Mercer County

Established

January 1, 1921

Total Assets

$287M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Strategic Plan

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)

Financial Snapshot

As of Q4 2023Call Report / FDIC

Total Assets

$287M

Total Deposits

$236M

Net Loans

$181M

Net Income

$6M

ROA

1.71%

ROE

12.74%

Risk-Based Capital

21.10%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate8.33%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20231283.33%8.33%
20221656.25%18.75%
20215853.45%20.69%
20207055.71%22.86%
20195160.78%19.61%
20186451.56%31.25%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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