Farmers State Bank of Camp Point

What Farmers State Bank of Camp Point does

Farmers State Bank of Camp Point is a state-chartered community bank founded in 1921 and headquartered in Camp Point, Illinois, operating as a brand within the United Community Bank multi-bank family. The institution provides full-service retail and commercial banking including deposit accounts (checking, savings, CDs, IRAs, HSAs), consumer lending (personal, vehicle, boat/RV/ATV), mortgage products (fixed/adjustable, VA, construction, refinancing, home equity, solar), credit cards, agricultural financing, and business banking services (cash management, merchant services via Clover, commercial loans, physician/professional lending). The bank operates across 35 communities spanning Central Illinois, Northeast Missouri, and Southwest Florida, leveraging a community-led go-to-market model built on local relationship banking supported by branch, contact-center, online, and mobile channels.

Revenue is generated through four primary streams: interest income on loan products (mortgages, personal, vehicle, recreational, construction, business, commercial, agricultural, credit cards), deposit account and service charges (overdraft, merchant, wire), trust and wealth management fees (estate planning, investment management, farm management), and insurance commissions routed through United Financial Services. Pricing is predominantly monthly subscription on deposit accounts and unit pricing on mortgages (e.g., 15-year fixed at 6.125% / 6.203% APR); most banking fees are not publicly disclosed.

The technology stack is conventional community-bank digital infrastructure — online banking, mobile app with iOS/Android availability, mobile deposit, bill pay, e-statements, Zelle P2P, mobile wallet support, SecurLOCK card controls, and Beacon Alerts — sourced through standard fintech and core-processor integrations rather than proprietary AI systems. The bank holds Bauer Financial 5-Star Superior Bank status, three consecutive years of Newsweek America's Best Regional Banks recognition through 2024, and a 2023 S&P Global Market Intelligence Top 50 Community Bank ranking for the $3-$10 billion asset tier. It is FDIC-insured, Member FDIC, Equal Housing Lender (NMLS# 571147), and led by President Terry Reuschel. No revenue figures, ownership percentages, or management team roster beyond the president are publicly disclosed.

Name

Farmers State Bank of Camp Point

Legal name

Farmers State Bank of Camp Point

Website

https://fsbcp.com

Company type

Private

Founded year

1921

Operating status

Operating

Headcount range

1–10 employees

Short description

Farmers State Bank of Camp Point, founded 1921, is a community bank headquartered in Illinois operating within the United Community Bank family and serving 35 communities across Central Illinois, Northeast Missouri, and Southwest Florida with deposit, lending, trust, and insurance services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Offices of Bank Holding Companies (551111)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

Keywords

• Community banking
• Consumer lending
• Commercial banking
• Wealth management
• Agricultural financing

Headquarters

HQ city

Camp Point

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Interest Income: Interest earned on loan products including personal loans, mortgages, home equity loans, vehicle loans, boat/RV loans, ATV loans, construction loans, business loans, commercial loans, agricultural financing, and credit cards
2. Deposit Account Fees: Fees from checking accounts, savings accounts, CDs, IRAs, and health savings accounts
3. Service Charges: Overdraft protection fees, merchant services fees, wire transfer fees, and other banking service charges
4. Trust and Wealth Management Services: Trust services, estate planning, investment management, and farm management services
5. Insurance Services: Through United Financial Services partnership - automotive, homeowners, rental, life, and business insurance products

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Farmers State Bank of Camp Point is a state-chartered community bank offering consumer and business deposit accounts (checking, savings, CDs, IRAs, HSAs), a full lending suite (mortgages, home equity, construction, VA, solar, personal/vehicle/boat/RV/ATV loans, commercial and agricultural loans), credit cards, merchant and cash management services, and trust and wealth management. The bank also distributes insurance products through United Financial Services. It operates as part of the United Community Bank brand family serving individuals, families, businesses, and farms across Central Illinois, Northeast Missouri, and Southwest Florida.

Product overview

Farmers State Bank of Camp Point is a community bank providing comprehensive financial services through a unified multi-channel banking platform. The core offerings include consumer and business deposit accounts (checking, savings, CDs, IRAs, HSAs), digital and mobile banking with integrated payment services (Zelle, mobile wallets), credit products (mortgages, personal loans, credit cards), and commercial banking services. The bank's trust and wealth management division provides estate planning, investment management, and farm management services. Business services include cash management, merchant services, and agricultural financing. The bank operates as part of the United Community Bank family and serves communities across Central Illinois, Northeast Missouri, and Southwest Florida.

Differentiator

Problem solved

Functional benefit

Brands

• UCB Mobile Banking: Mobile banking application for customers of United Community Bank family of banks including Farmers State Bank of Camp Point

Products and services

• Personal Checking Accounts Checking account products for individuals and families, including Guardian Checking with identity theft protection, cell phone protection, and extended warranty benefits.
• Savings Accounts Personal savings accounts with competitive interest rates for individuals and families.
• CDs and IRAs Certificates of Deposit and Individual Retirement Accounts for savings growth and retirement planning.
• Health Savings Accounts Tax-advantaged savings accounts for qualified medical expenses.
• Digital Banking Online and mobile banking platform providing account management, fund transfers, bill payment, mobile deposit, electronic statements, card controls, Zelle payments, and account alerts.
• Personal Loans Unsecured loans for personal expenses including debt consolidation, home improvements, and major purchases.
• Vehicle Loans Auto financing for new and used cars, trucks, and SUVs with competitive rates.
• Boat and RV Financing Specialized loans for recreational vehicles, boats, and motorhomes.
• ATV and Personal Watercraft Loans Financing for ATVs and personal watercraft.
• Fixed Rate and Adjustable Mortgages Fixed-rate and adjustable-rate mortgage products for home purchase, with 15-year fixed rates as low as 6.125% (6.203% APR) disclosed.
• VA Loans Veterans Affairs mortgage loans for eligible veterans and military members.
• Construction Loans Financing for new home construction projects.
• Mortgage Refinancing Refinancing options for existing mortgages.
• Home Equity Loans and Lines of Credit Credit products allowing homeowners to borrow against their home's equity for major expenses or debt consolidation.
• Solar Loans Specialized financing for residential solar energy system installations.
• Everyday Points Visa Visa credit card with a rewards program that lets customers earn points on debit purchases redeemable for gift cards, travel, or cash back.
• Visa Classic Standard Visa credit card product.
• Trust Services Fiduciary personal and business trust services including estate planning, trustee services, guardianships, and trust administration.
• Estate Planning Estate planning assistance including living trusts, special use trusts, and estate tax planning.
• Investment Management Services Professional investment advisory services provided on a fiduciary basis for individual and institutional clients.
• Farm Management Services Professional farm management including lease negotiations, income/expense reporting, tax preparation assistance, and government program coordination.
• Charitable Giving Services Planned giving and charitable estate planning services to support donor philanthropy goals.
• Retirement Planning Retirement planning services including IRAs and 401k rollovers, and college planning.
• Insurance Services Insurance products distributed through United Financial Services including automotive, homeowners, renters, life, business, flood, and farm/crop insurance.
• Business Checking Business checking accounts integrated with cash management tools for SMB customers.
• Merchant Services Payment processing solutions for business merchants, including traditional terminals, e-commerce, and Clover POS integration.
• Small Business Loans Commercial lending products for small businesses.
• Commercial Loans and Lines of Credit Commercial lending including lines of credit for business customers.
• Agriculture Financing Banking services tailored for farmers and agricultural operations including operating loans, equipment financing, and land loans.
• Physician and Professional Services Loans Specialized financing for medical professionals and other professionals.
• Business Credit Cards Credit card products designed for business customers.

Quantifiable outcome

• 5-Star Superior Bank rating from Bauer Financial
• +2 more outcomes

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

One partnership is on record.

• United Community BankcoreOthersFarmers State Bank of Camp Point is a brand under United Community Bank, a larger regional banking organization. Part of a family of banks including Brown County State Bank, Marine Bank & Trust, Mercantile Bank, Liberty Bank, and United Commonwealth Bank serving 35 communities across Central Illinois, Northeast Missouri, and Southwest Florida.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Stock Yards Bancorp: Kentucky and Indiana community bank with comparable size, full-service consumer/commercial banking, and trust/wealth management offerings.
• Horizon Bancorp: Indiana and Michigan community bank with strong ag lending, commercial, and consumer banking focus. Comparable mid-sized community banking model and product breadth.
• Lakeland Financial Corporation: Indiana community bank known for Lake City brand with strong commercial and ag banking franchise. Comparable size range and product suite.
• German American Bancorp: Indiana-headquartered community bank with comparable asset size, ag lending focus, and multi-county Midwestern branch network. Directly comparable business mix of consumer, commercial, and ag lending.
• First Busey Corporation: Illinois-based community bank holding company serving Central Illinois with similar ag, mortgage, and wealth management lines. Highly comparable geographic overlap and product set.
• Tompkins Financial Corporation: Northeast-based community bank with comparable consumer, commercial lending, and trust/wealth management services. Similar size and full-service community banking model.
• United Community Bank: Parent brand family of which Farmers State Bank of Camp Point is a charter. Operates the same multi-bank strategy across Central Illinois, Northeast Missouri, and Southwest Florida with shared digital platform and product suite.
• S&T Bancorp: Pennsylvania-based community bank holding company with comparable consumer, commercial, and wealth management product mix. Similar size profile and community-bank operating model.

Broad incumbents

• WesBanco: Larger multi-state community banking franchise in the Midwest/Mid-Atlantic with comparable consumer, mortgage, and commercial banking products. Broader geographic reach but overlapping product set and target customer.
• First Merchants Corporation: Mid-sized Midwest regional bank with comparable consumer, commercial, and wealth management offerings. Larger scale but directly comparable service mix including private banking and trust.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/ucbbanks
• Facebookfacebook.com/FarmersStateBankCampPoint
• LinkedInlinkedin.com/company/farmers-state-bank-of-camp-point
• Instagraminstagram.com/ucbbanks

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Farmers State Bank of Camp Point