BanksFARMERS STATE BANK

FARMERS STATE BANK

VICTOR, MTMediumEst. Jan. 1, 1907, midnightFDIC #342RSSD #475354FED
Latest · 2025-12-31

FARMERS STATE BANK is an 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%. CET1 capital ratio: 12.77%, well above regulatory minimums. NPL ratio: 0.53% · Texas Ratio: 4.31%. Operates 10 domestic branches.

Assets
$774M
Deposits
$659M
Loans
$496M
Equity
$54M

Profitability

Return on Assets (ROA)0.98%
Return on Equity (ROE)14.02%
Net Interest Margin4.17%
Yield on Assets5.66%
Cost of Funds1.49%

Asset Quality

NPL Ratio0.53%
Net Charge-Off Ratio0.03%
Texas Ratio4.31%
NPA Ratio0.34%
ACL / Loans1.34%

Capital & Liquidity

CET1 Ratio12.77%
Tier 1 Capital12.77%
Total Capital Ratio14.02%
Leverage Ratio9.18%
Loan-to-Deposit75.23%

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