FARMERS STATE BANK

YALE, IA | Micro | Est. March 21, 1921, midnight | FDIC #9106 | RSSD #507349 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in YALE, IA, established in March 21, 1921, midnight. As of 2025-12-31, the bank reported total assets of $73M and total deposits of $62M. Profitability stands at 1.82% ROA and 17.75% ROE, with a net interest margin of 3.94%. The bank's CET1 capital ratio is 10.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #9106.

Assets

$73M

Deposits

$62M

Loans

$41M

Equity

$8M

Profitability

Return on Assets (ROA) 1.82%
Return on Equity (ROE) 17.75%
Net Interest Margin (NIM) 3.94%
Yield on Assets 5.78%
Cost of Funds 2.68%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.86%

Capital & Liquidity

CET1 Ratio 10.78%
Tier 1 Capital 10.78%
Total Capital Ratio 11.32%
Leverage Ratio 11.52%
Loan-to-Deposit 66.73%

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