FARMERS STATE BANK

WINTHROP, WA | Micro | Est. Jan. 1, 1916, midnight | FDIC #6156 | RSSD #694771 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in WINTHROP, WA, established in Jan. 1, 1916, midnight. As of 2025-12-31, the bank reported total assets of $50M and total deposits of $44M. Profitability stands at 0.67% ROA and 6.08% ROE, with a net interest margin of 3.33%. The bank's CET1 capital ratio is 11.25%, 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 #6156.

Assets

$50M

Deposits

$44M

Loans

$4M

Equity

$6M

Profitability

Return on Assets (ROA) 0.67%
Return on Equity (ROE) 6.08%
Net Interest Margin (NIM) 3.33%
Yield on Assets 3.75%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 5.92%

Capital & Liquidity

CET1 Ratio 11.25%
Tier 1 Capital 11.25%
Total Capital Ratio 11.81%
Leverage Ratio 11.15%
Loan-to-Deposit 8.56%

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