Farmers State Bank (Groesbeck, TX)
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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 Groesbeck, TX, established in 1913 (FDIC certificate 15367), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $196.0M, up 6.9% from Q2 2025, the 255th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.39% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15367
- Headquarters
- Groesbeck, TX
- Established
- 1913
- Total assets, Q2 2026
- $196.0M
- Assets vs Q2 2025
- +6.9%
- Tier 1 leverage ratio, Q2 2026
- 9.39%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 111915039
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank call report
- Holding company
- GROESBECK BANCSHARES, INC.
- Asset rank in state
- 255th of 346 in Texas
Farmers State Bank, based in Groesbeck, Texas, reported $196 million in assets at June 30, 2026, up 6.9% from a year earlier. It pays an average of 0.65% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 16.5% over the year, lower than about 9 in 10 banks its size (median 5.5%).
Loans and deposits moved in opposite directions: over the year loans fell 16.5% and deposits rose 6.9%. Where it has less room is capital: it funds 9.39% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Farmers State Bank reported a return on assets of 1.59%, a nonperforming-loan ratio of 0.04% and a Texas ratio of 0.20%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers State Bank is the 255th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 0.3% to $196.0M, loans rose 3.9% and deposits rose 0.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 21.6% of total loans, followed by owner-occupied commercial real estate loans at 20.1%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in TX; its Groesbeck office books 54% of its branch deposits. Judged on its Q2 2026 call report, Farmers State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 121 S Ellis St, Groesbeck, TX 76642
- County
- Limestone
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1913
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 37
- Domestic deposits
- $176.8M
- Allowance for credit losses
- $1.1M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $192.2M
- Average total loans
- $89.2M
- Average interest-bearing deposits
- $85.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 14, 1936
- FDIC Cert
- 15367
- Fed RSSD
- 461058
- Website
- www.farmersstatebanktexas.com →
- Parent Holding Company
- GROESBECK BANCSHARES, INC. (RSSD 1144228)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Farmers State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers State Bank's total assets moved between a low of $178.2M (Q4 2024) and a high of $196.0M (Q2 2026) from Q3 2023 to Q2 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
$196.0M total assets against $183.3M; $178.8M total liabilities against $167.1M.
$91.8M net loans and leases against $110.3M; $176.8M total deposits against $165.3M.
$66.0M securities against $48.0M; $28.3M cash and balances due against $16.2M.
$2.3M total interest income against $2.3M; $280K total interest expense against $261K.
$2.0M net interest income against $2.0M.
$328K total noninterest income against $322K; $1.6M total noninterest expense against $1.6M.
$0 provision for credit losses against $0.
$765K net income against $782K.
1.59% return on assets against 1.76%; 4.65% net interest margin against 5.02%.
9.39% tier 1 leverage ratio against 9.62%.
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 1,118 of 3,611, for ROA; its furthest is 3,155 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.22% (Q3 2024) to 1.76% (Q2 2025) and its net interest margin ran from 4.15% (Q3 2024) to 5.02% (Q2 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.39% | 1.59% | 0.04% | 0.20% | 4.65% |
| Q1 2026 | 9.45% | 1.52% | 0.04% | 0.20% | 4.61% |
| Q4 2025 | 9.50% | 1.71% | 0.04% | 0.21% | 4.87% |
| Q3 2025 | 9.42% | 1.75% | 0.04% | 0.22% | 4.95% |
| Q2 2025 | 9.62% | 1.76% | 0.04% | 0.25% | 5.02% |
| Q1 2025 | 9.36% | 1.63% | 0.04% | 0.26% | 4.72% |
| Q4 2024 | 9.02% | 1.53% | 0.14% | 0.93% | 4.54% |
| Q3 2024 | 8.77% | 1.22% | 0.07% | 0.44% | 4.15% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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) | Groesbeck , TX | 76642 | $95.4M |
| Fairfield Branch | Fairfield , TX | 75840 | $22.7M |
| Mexia Branch | Mexia , TX | 76667 | $18.1M |
| Jewett Branch | Jewett , TX | 75846 | $14.7M |
| Wortham Branch | Wortham , TX | 76693 | $13.6M |
| Kosse Branch | Kosse , TX | 76653 | $12.2M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 15, 1991 | Structure Change | Acquired The First National Bank of Wortham Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| February 14, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 1988 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 310 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $20K approved, $20K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1999 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $196.0 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Groesbeck, TX, United States.
When was Farmers State Bank founded?
It was established in 1913, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15367). 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.
How many branches does Farmers State Bank operate?
It operates 6 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 0.20% 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.
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