FARMERS STATE BANK

CAMERON, MO | Small | Est. Jan. 1, 1934, midnight | FDIC #13897 | RSSD #757452 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in CAMERON, MO, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $393M and total deposits of $352M. Profitability stands at 0.78% ROA and 9.74% ROE, with a net interest margin of 3.86%. The bank's CET1 capital ratio is 13.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 4.45%. FDIC Certificate #13897.

Assets

$393M

Deposits

$352M

Loans

$296M

Equity

$31M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 9.74%
Net Interest Margin (NIM) 3.86%
Yield on Assets 5.32%
Cost of Funds 1.46%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.45%
NPA Ratio 0.37%
ACL / Loans 0.62%

Capital & Liquidity

CET1 Ratio 13.60%
Tier 1 Capital 13.60%
Total Capital Ratio 14.39%
Leverage Ratio 8.85%
Loan-to-Deposit 84.01%

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