FARMERS STATE BANK

ALGONA, IA | Small | Est. Jan. 1, 1895, midnight | FDIC #8760 | RSSD #208440 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in ALGONA, IA, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $151M and total deposits of $131M. Profitability stands at 1.35% ROA and 10.69% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 12.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 2.60%. FDIC Certificate #8760.

Assets

$151M

Deposits

$131M

Loans

$112M

Equity

$19M

Profitability

Return on Assets (ROA) 1.35%
Return on Equity (ROE) 10.69%
Net Interest Margin (NIM) 4.05%
Yield on Assets 5.68%
Cost of Funds 1.73%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio 0.07%
Texas Ratio 2.60%
NPA Ratio 0.35%
ACL / Loans 1.28%

Capital & Liquidity

CET1 Ratio 12.39%
Tier 1 Capital 12.39%
Total Capital Ratio 13.01%
Leverage Ratio 13.13%
Loan-to-Deposit 85.24%

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