FARMERS STATE BANK

MARCUS, IA | Micro | Est. Dec. 28, 1928, midnight | FDIC #8503 | RSSD #944748 | FDIC
Latest Report: 2025-12-31

FARMERS STATE BANK is amn micro FDIC-insured commercial bank headquartered in MARCUS, IA, established in Dec. 28, 1928, midnight. As of 2025-12-31, the bank reported total assets of $76M and total deposits of $66M. Profitability stands at 1.70% ROA and 13.64% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 12.74%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 7.27%. FDIC Certificate #8503.

Assets

$76M

Deposits

$66M

Loans

$42M

Equity

$10M

Profitability

Return on Assets (ROA) 1.70%
Return on Equity (ROE) 13.64%
Net Interest Margin (NIM) 3.54%
Yield on Assets 5.24%
Cost of Funds 2.28%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio -0.17%
Texas Ratio 7.27%
NPA Ratio 1.03%
ACL / Loans 2.61%

Capital & Liquidity

CET1 Ratio 12.74%
Tier 1 Capital 12.74%
Total Capital Ratio 13.38%
Leverage Ratio 13.64%
Loan-to-Deposit 63.62%

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