Farmers State Bank (Dublin, GA)
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Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank is an FDIC-insured commercial bank headquartered in Dublin, GA, established in 1934 (FDIC certificate 19720), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $156.2M, up 1.5% from Q2 2025, the 100th largest of 121 banks headquartered in Georgia. Its CET1 capital ratio was 18.09% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 19720
- Headquarters
- Dublin, GA
- Established
- 1934
- Total assets, Q2 2026
- $156.2M
- Assets vs Q2 2025
- +1.5%
- CET1 ratio, Q2 2026
- 18.09%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 061211197
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank call report
- Holding company
- FARMERS BANCSHARES, INC.
- Asset rank in state
- 100th of 121 in Georgia
Farmers State Bank earns an unusually wide margin on its lending. The Dublin, Georgia bank had $156 million in assets at June 30, 2026, up 1.5% from a year earlier. It keeps 5.32 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also earns about $2.19 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
Net income for the quarter rose 11% from a year earlier, to $861,000. Over the same year, loans grew 4.0% and deposits grew 0.2%.
As of June 30, 2026, Farmers State Bank reported a CET1 capital ratio of 18.09%, a return on assets of 2.19%, a nonperforming-loan ratio of 0.28% and a Texas ratio of 1.48%. The figures come from its call report filed with the FFIEC.
Farmers State Bank ranks as the 100th largest of the 121 banks based in Georgia, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.7% to $156.2M, loans rose 0.8% and deposits fell 2.5%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 27.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 23.8%. The FDIC Summary of Deposits lists 3 offices for it, in Dublin, GA and Cadwell, GA; its Dublin 2 offices book 92% of its branch deposits. By the capital ratios in its Q2 2026 call report, Farmers State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1620 Veterans Blvd, Dublin, GA 31021
- County
- Laurens
- Metro Area
- Dublin, GA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1934
- Former names
- Farmers Clearing Bank (1970-1972)
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 30
- Domestic deposits
- $134.3M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $9K
- Average total assets
- $157.6M
- Average total loans
- $123.7M
- Average interest-bearing deposits
- $100.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 19, 1967
- FDIC Cert
- 19720
- Fed RSSD
- 113030
- Website
- www.farmersstate-online.net →
- Parent Holding Company
- FARMERS BANCSHARES, INC. (RSSD 1080885)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Farmers State Bank's total assets ranged from $142.0M (Q4 2023) to $159.0M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$156.2M total assets against $153.9M; $136.0M total liabilities against $135.6M.
$121.3M net loans and leases against $116.6M; $134.3M total deposits against $134.0M.
$19.0M securities against $17.8M; $13.3M cash and balances due against $14.9M.
$2.5M total interest income against $2.4M; $371K total interest expense against $392K.
$2.1M net interest income against $2.0M.
$116K total noninterest income against $126K; $1.3M total noninterest expense against $1.3M.
$30K provision for credit losses against $30K.
$861K net income against $777K.
2.19% return on assets against 2.02%; 5.32% net interest margin against 5.23%.
18.09% CET1 capital ratio against 17.09%; 13.92% tier 1 leverage ratio against 13.32%.
Inside the full Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeFarmers State Bank rankings
Its closest position to the top of a national ranking is 325 of 3,611, for ROA; its furthest is 3,246 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.81% (Q4 2024) to 2.28% (Q4 2025) and its net interest margin ran from 4.81% (Q4 2024) to 5.32% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.09% | 2.19% | 0.28% | 1.48% | 5.32% |
| Q1 2026 | 17.99% | 2.10% | 0.06% | 0.32% | 5.27% |
| Q4 2025 | 17.59% | 2.28% | 0.29% | 1.52% | 5.30% |
| Q3 2025 | 17.73% | 2.18% | 0.16% | 5.12% | 5.31% |
| Q2 2025 | 17.09% | 2.02% | 0.23% | 10.31% | 5.23% |
| Q1 2025 | 16.99% | 1.87% | 0.97% | 10.39% | 4.97% |
| Q4 2024 | 16.71% | 1.81% | 1.78% | 10.61% | 4.81% |
| Q3 2024 | — | 1.87% | 0.29% | 1.64% | 4.85% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers State Bank (main office) | Dublin , GA | 31021 | $116.5M |
| Cadwell Branch | Cadwell , GA | 31009 | $10.4M |
| Hillcrest Branch | Dublin , GA | 31021 | $7.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in GA, rank 133 of 177 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers State Bank
What are Farmers State Bank's total assets?
As of the Q2 2026 filing, Farmers State Bank reported total assets of $156.2 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Dublin, GA, United States.
When was Farmers State Bank founded?
It was established in 1934, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19720). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers State Bank?
Farmers State Bank's primary federal regulator is the FDIC.
What is Farmers State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 18.09% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Farmers State Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers State Bank's Texas Ratio?
Its Texas Ratio is 1.48% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Farmers State Bank previously called?
The charter now named Farmers State Bank has also operated as Farmers Clearing Bank (1970-1972), per FDIC structure-change records.
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