FARMERS STATE BANK & TRUST COMPANY

CHURCH POINT, LA | Small | Est. Jan. 3, 1944, midnight | FDIC #16114 | RSSD #567736 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK & TRUST COMPANY is asn small FDIC-insured commercial bank headquartered in CHURCH POINT, LA, established in Jan. 3, 1944, midnight. As of 2025-12-31, the bank reported total assets of $171M and total deposits of $155M. Profitability stands at 1.89% ROA and 22.06% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 8.77%. Asset quality metrics show a non-performing loan ratio of 0.45% and a Texas Ratio of 2.16%. FDIC Certificate #16114.

Assets

$171M

Deposits

$155M

Loans

$80M

Equity

$15M

Profitability

Return on Assets (ROA) 1.89%
Return on Equity (ROE) 22.06%
Net Interest Margin (NIM) 4.51%
Yield on Assets 5.89%
Cost of Funds 1.40%

Asset Quality

NPL Ratio 0.45%
Net Charge-Off Ratio 0.04%
Texas Ratio 2.16%
NPA Ratio 0.21%
ACL / Loans 1.94%

Capital & Liquidity

CET1 Ratio 8.77%
Tier 1 Capital 8.77%
Total Capital Ratio 9.21%
Leverage Ratio 9.96%
Loan-to-Deposit 51.69%

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