First Farmers State Bank

Overview / Commentary

309-392-2623

101 South Main Avenue
Minier, IL 61759

First Farmers State Bank is headquartered in Minier and is the 217^th largest bank in the state of Illinois. It is also the 3,143^rd largest bank in the nation. It was established in 1875 and as of September of 2019, it had grown to 33 employees at 3 locations. First Farmers State Bank's money market rates are 3X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q3 2019

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Health Grade Components

Overall
FDIC Certificate #	10879
Year Established	1875
Employees	33
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.77%
Return on Equity - YTD	14.3%
Annual Interest Income	$5.3MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$172.1MM$169.0MM
Loans	Q3 2019vs Q3 2018	$125.1MM$118.0MM
Deposits	Q3 2019vs Q3 2018	$143.4MM$139.1MM
Equity Capital	Q3 2019vs Q3 2018	$22.0MM$20.1MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$959.00K$949.00K
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$0$0
Real Estate Owned	Q3 2019vs Q3 2018	$0$1.4MM

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

First Farmers State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$250	-	Statement Savings
0.05%	$25	-	Minor Statement Savings

First Farmers State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.45%^*	$500k^*	-	First Rate Money Market
OTHER TIERS: 0.95% → Up to $50k \| 1.25% → $50k - $250k \| 1.35% → $250k - $500k
0.20%^*	$300k^*	-	Hi Yield Money Market
OTHER TIERS: 0.05% → Up to $5k \| 0.07% → $5k - $10k \| 0.10% → $10k - $50k \| 0.15% → $50k - $100k \| 0.18% → $100k - $300k
0.10%^*	$50k^*	-	Money Market
OTHER TIERS: 0.06% → $1.5k - $50k

First Farmers State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.58%	-	-	IOLTA
0.20%^*	$500k^*	-	Hi Yield Checking
OTHER TIERS: 0.05% → Up to $5k \| 0.07% → $5k - $25k \| 0.08% → $25k - $50k \| 0.10% → $50k - $100k \| 0.15% → $100k - $250k \| 0.17% → $250k - $500k
0.05%	$1.5k	-	Interest Checking
0.05%	$1.5k	-	Advantage Checking

First Farmers State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.70%	$10k	-	14 Month First Rate CD Special - New Money
1.55%^*	$50k^*	$225k	16 Month First Rate CD Special
OTHER TIERS: 1.35% → $10k - $50k \| 1.45% → $225k+
1.55%^*	$50k^*	$225k	10 Month First Rate CD Special
OTHER TIERS: 1.40% → $225k+ \| 1.45% → $10k - $50k
1.55%^*	$50k^*	-	60 Month CD
OTHER TIERS: 1.30% → $2.5k - $10k \| 1.45% → $10k - $50k
1.55%^*	$50k^*	-	60 Month College Savers CD
OTHER TIERS: 1.30% → $250 - $10k \| 1.45% → $10k - $50k
1.50%^*	$50k^*	$225k	38 Month First Rate CD Special
OTHER TIERS: 1.30% → $225k+ \| 1.40% → $10k - $50k
1.50%^*	$50k^*	$225k	27 Month First Rate CD Special
OTHER TIERS: 1.30% → $10k - $50k \| 1.40% → $225k+
1.50%^*	$50k^*	-	48 Month CD
OTHER TIERS: 1.20% → $2.5k - $10k \| 1.40% → $10k - $50k
1.50%^*	$50k^*	-	48 Month College Savers CD
OTHER TIERS: 1.20% → $250 - $10k \| 1.40% → $10k - $50k
1.10%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.85% → $2.5k - $10k \| 1.00% → $10k - $50k
1.10%^*	$50k^*	-	36 Month College Savers CD
OTHER TIERS: 0.85% → $250 - $10k \| 1.00% → $10k - $50k
0.95%^*	$50k^*	-	30 Month CD
OTHER TIERS: 0.75% → $2.5k - $10k \| 0.85% → $10k - $50k
0.95%^*	$50k^*	-	30 Month College Savers CD
OTHER TIERS: 0.75% → $250 - $10k \| 0.85% → $10k - $50k
0.85%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.65% → $2.5k - $10k \| 0.75% → $10k - $50k
0.85%^*	$50k^*	-	24 Month College Savers CD
OTHER TIERS: 0.65% → $250 - $10k \| 0.75% → $10k - $50k
0.75%^*	$50k^*	-	18 Month CD
OTHER TIERS: 0.55% → $2.5k - $10k \| 0.65% → $10k - $50k
0.75%^*	$50k^*	-	18 Month College Savers CD
OTHER TIERS: 0.55% → $250 - $10k \| 0.65% → $10k - $50k
0.60%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.40% → $2.5k - $10k \| 0.50% → $10k - $50k
0.60%^*	$50k^*	-	12 Month College Savers CD
OTHER TIERS: 0.40% → $250 - $10k \| 0.50% → $10k - $50k
0.50%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.35% → $2.5k - $10k \| 0.45% → $10k - $50k
0.50%^*	$50k^*	-	6 Month College Savers CD
OTHER TIERS: 0.35% → $250 - $10k \| 0.45% → $10k - $50k
0.15%^*	$50k^*	-	3 Month CD
OTHER TIERS: 0.10% → $2.5k - $10k \| 0.12% → $10k - $50k
0.15%^*	$50k^*	-	3 Month College Savers CD
OTHER TIERS: 0.10% → $250 - $10k \| 0.12% → $10k - $50k
0.05%^*	$50k^*	-	1 Month CD
OTHER TIERS: 0.01% → $2.5k - $10k \| 0.03% → $10k - $50k
0.05%^*	$50k^*	-	1 Month College Savers CD
OTHER TIERS: 0.01% → $250 - $10k \| 0.03% → $10k - $50k

First Farmers State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.55%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 1.30% → $500 - $10k \| 1.45% → $10k - $50k
0.85%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 0.65% → $500 - $10k \| 0.75% → $10k - $50k
0.60%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 0.40% → $500 - $10k \| 0.50% → $10k - $50k

Locations

First Farmers State Bank Locations
First Farmers State Bank	101 South Main Avenue	Minier, IL 61759
Delavan Branch	301 Locust Street	Delavan, IL 61734
Bloomington Branch	4001 General Electric Road	Bloomington, IL 61704

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