BanksFARMERS STATE BANK

FARMERS STATE BANK

YALE, IAMicroEst. March 21, 1921, midnightFDIC #9106RSSD #507349FDIC
Latest · 2025-12-31

FARMERS STATE BANK is an 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%. CET1 capital ratio: 10.78%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$73M
Deposits
$62M
Loans
$41M
Equity
$8M

Profitability

Return on Assets (ROA)1.82%
Return on Equity (ROE)17.75%
Net Interest Margin3.94%
Yield on Assets5.78%
Cost of Funds1.86%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans0.86%

Capital & Liquidity

CET1 Ratio10.78%
Tier 1 Capital10.78%
Total Capital Ratio11.32%
Leverage Ratio11.52%
Loan-to-Deposit66.73%

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