Banks FARMERS STATE BANK

FARMERS STATE BANK

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

FARMERS STATE BANK is an 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%. CET1 capital ratio: 9.62%. NPL ratio: 1.45% · Texas Ratio: 10.01%.

Assets
$221M
Deposits
$183M
Loans
$160M
Equity
$21M

Profitability

Return on Assets (ROA)0.38%
Return on Equity (ROE)3.97%
Net Interest Margin3.73%
Yield on Assets5.66%
Cost of Funds1.98%

Asset Quality

NPL Ratio1.45%
Net Charge-Off Ratio0.22%
Texas Ratio10.01%
NPA Ratio1.05%
ACL / Loans1.17%

Capital & Liquidity

CET1 Ratio9.62%
Tier 1 Capital9.62%
Total Capital Ratio10.10%
Leverage Ratio12.43%
Loan-to-Deposit87.40%

This is just the summary.

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Peer benchmarking
Excel tearsheet exports
Risk & failure probability
Create free account

No credit card required