FARMERS STATE BANK

DUBLIN, GA | Small | Est. Jan. 1, 1934, midnight | FDIC #19720 | RSSD #113030 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in DUBLIN, GA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $153M and total deposits of $131M. Profitability stands at 2.26% ROA and 18.00% ROE, with a net interest margin of 5.71%. The bank's CET1 capital ratio is 17.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 0.08%. FDIC Certificate #19720.

Assets

$153M

Deposits

$131M

Loans

$120M

Equity

$20M

Profitability

Return on Assets (ROA) 2.26%
Return on Equity (ROE) 18.00%
Net Interest Margin (NIM) 5.71%
Yield on Assets 6.79%
Cost of Funds 1.15%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.08%
NPA Ratio 0.01%
ACL / Loans 2.48%

Capital & Liquidity

CET1 Ratio 17.59%
Tier 1 Capital 17.59%
Total Capital Ratio 18.86%
Leverage Ratio 13.85%
Loan-to-Deposit 91.44%

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