FARMERS STATE BANK

VICTOR, MT | Medium | Est. Jan. 1, 1907, midnight | FDIC #342 | RSSD #475354 | FED
Latest Report: 2025-12-31

FARMERS STATE BANK is amn medium FDIC-insured commercial bank headquartered in VICTOR, MT, established in Jan. 1, 1907, midnight. As of 2025-12-31, the bank reported total assets of $774M and total deposits of $659M. Profitability stands at 0.98% ROA and 14.02% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 12.77%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.53% and a Texas Ratio of 4.31%. FDIC Certificate #342.

Assets

$774M

Deposits

$659M

Loans

$496M

Equity

$54M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 14.02%
Net Interest Margin (NIM) 4.17%
Yield on Assets 5.66%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 0.53%
Net Charge-Off Ratio 0.03%
Texas Ratio 4.31%
NPA Ratio 0.34%
ACL / Loans 1.34%

Capital & Liquidity

CET1 Ratio 12.77%
Tier 1 Capital 12.77%
Total Capital Ratio 14.02%
Leverage Ratio 9.18%
Loan-to-Deposit 75.23%

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