FARMERS STATE BANK

NORTHWOOD, IA | Small | Est. Nov. 15, 1921, midnight | FDIC #5797 | RSSD #537243 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in NORTHWOOD, IA, established in Nov. 15, 1921, midnight. As of 2025-12-31, the bank reported total assets of $221M and total deposits of $183M. Profitability stands at 0.38% ROA and 3.97% ROE, with a net interest margin of 3.73%. The bank's CET1 capital ratio is 9.62%. Asset quality metrics show a non-performing loan ratio of 1.45% and a Texas Ratio of 10.01%. FDIC Certificate #5797.

Assets

$221M

Deposits

$183M

Loans

$160M

Equity

$21M

Profitability

Return on Assets (ROA) 0.38%
Return on Equity (ROE) 3.97%
Net Interest Margin (NIM) 3.73%
Yield on Assets 5.66%
Cost of Funds 1.98%

Asset Quality

NPL Ratio 1.45%
Net Charge-Off Ratio 0.22%
Texas Ratio 10.01%
NPA Ratio 1.05%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 9.62%
Tier 1 Capital 9.62%
Total Capital Ratio 10.10%
Leverage Ratio 12.43%
Loan-to-Deposit 87.40%

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