Bank · FDIC insured
Farmers National Bank
A $895.7M bank headquartered in Prophetstown, IL, with 4 branches in Illinois. Best rates: CDs 4.00% and savings 0.35% APY.
Farmers National Bank Carrot Score
70
Carrot Score
Higher than 25% of U.S. banks and credit unions
#5 of 8 in Sterling, IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers National Bank
Founded in 1902 in Prophetstown, Illinois, Farmers National Bank is a locally owned and managed community bank.
Owned by holding company Prophetstown Banking Co., the bank operates four full-service banking offices in Prophetstown, Geneseo, Morrison, and Mount Carroll.
The bank specializes in agricultural lending, with approximately 75% of its loans involving agriculture.
- Headquarters
- 114 W 3rd St, Prophetstown, IL 61277
- FDIC certificate
- 3732 ↗
Branches
4 branches in Illinois
Loading map…
Illinois
4 branches
Sterling area · 2
- Farmers National BankMain office114 W 3rd St, Prophetstown, IL 61277Directions
- The Farmers National Park Of Prophetstown1100 E Lincolnway, Morrison, IL 61270Directions
Davenport area · 1
- Geneseo Office700 Us Highway 6 E, Geneseo, IL 61254Directions
Mount Carroll area · 1
- Mount Carroll Branch642 South East Street, Mount Carroll, IL 61053Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.03% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.23% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.17% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $80 | $81 | — |
- CapitalLeverage ratio15.03%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.23%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.17%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$80Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers National Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.