FARMERS STATE BANK

LAKE VIEW, IA | Micro | Est. Jan. 1, 1914, midnight | FDIC #9295 | RSSD #749840 | FED
Latest Report: 2025-12-31

FARMERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in LAKE VIEW, IA, established in Jan. 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $36M and total deposits of $31M. Profitability stands at 0.50% ROA and 3.50% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 14.00%, 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 #9295. The institution operates 1 domestic branch.

Assets

$36M

Deposits

$31M

Loans

$13M

Equity

$5M

Profitability

Return on Assets (ROA) 0.50%
Return on Equity (ROE) 3.50%
Net Interest Margin (NIM) 3.80%
Yield on Assets 5.22%
Cost of Funds 1.87%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 3.13%

Capital & Liquidity

CET1 Ratio 14.00%
Tier 1 Capital 14.00%
Total Capital Ratio 14.70%
Leverage Ratio 13.82%
Loan-to-Deposit 42.70%

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