FARMERS STATE BANK

LINCOLNTON, GA | Small | Est. Dec. 2, 1911, midnight | FDIC #879 | RSSD #773032 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in LINCOLNTON, GA, established in Dec. 2, 1911, midnight. As of 2025-12-31, the bank reported total assets of $184M and total deposits of $159M. Profitability stands at 3.02% ROA and 22.48% ROE, with a net interest margin of 5.94%. The bank's CET1 capital ratio is 31.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 0.85%. FDIC Certificate #879.

Assets

$184M

Deposits

$159M

Loans

$86M

Equity

$24M

Profitability

Return on Assets (ROA) 3.02%
Return on Equity (ROE) 22.48%
Net Interest Margin (NIM) 5.94%
Yield on Assets 6.64%
Cost of Funds 0.74%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.13%
Texas Ratio 0.85%
NPA Ratio 0.12%
ACL / Loans 1.74%

Capital & Liquidity

CET1 Ratio 31.86%
Tier 1 Capital 31.86%
Total Capital Ratio 33.12%
Leverage Ratio 15.45%
Loan-to-Deposit 54.28%

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