FARMERS STATE BANK

PARKSTON, SD | Small | Est. July 19, 1919, midnight | FDIC #1686 | RSSD #120953 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in PARKSTON, SD, established in July 19, 1919, midnight. As of 2025-12-31, the bank reported total assets of $251M and total deposits of $233M. Profitability stands at 0.84% ROA and 13.28% ROE, with a net interest margin of 3.39%. The bank's CET1 capital ratio is 6.19%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #1686.

Assets

$251M

Deposits

$233M

Loans

$140M

Equity

$16M

Profitability

Return on Assets (ROA) 0.84%
Return on Equity (ROE) 13.28%
Net Interest Margin (NIM) 3.39%
Yield on Assets 5.31%
Cost of Funds 1.90%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.05%

Capital & Liquidity

CET1 Ratio 6.19%
Tier 1 Capital 6.19%
Total Capital Ratio 6.50%
Leverage Ratio 9.75%
Loan-to-Deposit 60.08%

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