FARMERS STATE BANK

LAGRANGE, IN | Large | Est. July 16, 1934, midnight | FDIC #14578 | RSSD #113441 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is aln large FDIC-insured commercial bank headquartered in LAGRANGE, IN, established in July 16, 1934, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 1.72% ROA and 17.59% ROE, with a net interest margin of 4.11%. The bank's CET1 capital ratio is 17.12%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.58% and a Texas Ratio of 3.81%. FDIC Certificate #14578.

Assets

$1.3B

Deposits

$1.1B

Loans

$887M

Equity

$126M

Profitability

Return on Assets (ROA) 1.72%
Return on Equity (ROE) 17.59%
Net Interest Margin (NIM) 4.11%
Yield on Assets 5.59%
Cost of Funds 4.30%

Asset Quality

NPL Ratio 0.58%
Net Charge-Off Ratio 0.00%
Texas Ratio 3.81%
NPA Ratio 0.40%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 17.12%
Tier 1 Capital 17.12%
Total Capital Ratio 18.17%
Leverage Ratio 10.59%
Loan-to-Deposit 78.67%

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