FARMERS STATE BANK

WATERLOO, IA | Large | Est. June 25, 1903, midnight | FDIC #12855 | RSSD #840747 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is aln large FDIC-insured commercial bank headquartered in WATERLOO, IA, established in June 25, 1903, midnight. As of 2025-12-31, the bank reported total assets of $1.6B and total deposits of $1.2B. Profitability stands at 1.41% ROA and 14.16% ROE, with a net interest margin of 2.97%. The bank's CET1 capital ratio is 12.83%, 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 #12855.

Assets

$1.6B

Deposits

$1.2B

Loans

$1.3B

Equity

$163M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 14.16%
Net Interest Margin (NIM) 2.97%
Yield on Assets 5.74%
Cost of Funds 3.16%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 12.83%
Tier 1 Capital 12.83%
Total Capital Ratio 13.91%
Leverage Ratio 10.62%
Loan-to-Deposit 105.62%

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