BanksFARMERS STATE BANK

FARMERS STATE BANK

MARCUS, IAMicroEst. Dec. 28, 1928, midnightFDIC #8503RSSD #944748FDIC
Latest · 2025-12-31

FARMERS STATE BANK is an 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%. CET1 capital ratio: 12.74%, well above regulatory minimums. NPL ratio: 0.05% · Texas Ratio: 7.27%. Operates 1 domestic branch.

Assets
$76M
Deposits
$66M
Loans
$42M
Equity
$10M

Profitability

Return on Assets (ROA)1.70%
Return on Equity (ROE)13.64%
Net Interest Margin3.54%
Yield on Assets5.24%
Cost of Funds1.82%

Asset Quality

NPL Ratio0.05%
Net Charge-Off Ratio-0.17%
Texas Ratio7.27%
NPA Ratio1.03%
ACL / Loans2.61%

Capital & Liquidity

CET1 Ratio12.74%
Tier 1 Capital12.74%
Total Capital Ratio13.38%
Leverage Ratio13.64%
Loan-to-Deposit63.62%

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