FARMERS STATE BANK

CENTER, TX | Small | Est. July 7, 1910, midnight | FDIC #13407 | RSSD #875057 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is asn small FDIC-insured commercial bank headquartered in CENTER, TX, established in July 7, 1910, midnight. As of 2025-12-31, the bank reported total assets of $404M and total deposits of $348M. Profitability stands at 1.99% ROA and 14.22% ROE, with a net interest margin of 4.98%. The bank's CET1 capital ratio is 19.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 2.13%. FDIC Certificate #13407.

Assets

$404M

Deposits

$348M

Loans

$243M

Equity

$54M

Profitability

Return on Assets (ROA) 1.99%
Return on Equity (ROE) 14.22%
Net Interest Margin (NIM) 4.98%
Yield on Assets 6.15%
Cost of Funds 1.26%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio 0.01%
Texas Ratio 2.13%
NPA Ratio 0.30%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 19.63%
Tier 1 Capital 19.63%
Total Capital Ratio 20.72%
Leverage Ratio 14.66%
Loan-to-Deposit 69.91%

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