Farmers State Bank (Winthrop, WA)
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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 Winthrop, WA, established in 1916 (FDIC certificate 6156), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $47.4M, down 3.6% from Q2 2025, the 28th largest of 29 banks headquartered in Washington. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.38% 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
- 6156
- Headquarters
- Winthrop, WA
- Established
- 1916
- Total assets, Q2 2026
- $47.4M
- Assets vs Q2 2025
- -3.6%
- Tier 1 leverage ratio, Q2 2026
- 12.38%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 125103882
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank call report
- Asset rank in state
- 28th of 29 in Washington
Farmers State Bank, based in Winthrop, Washington, reported $47 million in assets at June 30, 2026, down 3.6% from a year earlier. It pays an average of 0.42% on its deposits and borrowings, a small fraction of the median of 1.53% for the 583 banks with less than $100 million in assets. It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 1.4%).
As of June 30, 2026, Farmers State Bank reported a return on assets of 1.10%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers State Bank is the 28th largest of the 29 banks headquartered in Washington. Between Q1 2026 and Q2 2026, its total assets fell 6.3% to $47.4M, loans fell 1.8% and deposits fell 7.4%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 31.6% of total loans, followed by commercial and industrial loans at 27.0%. The FDIC Summary of Deposits lists a single office for it, in Winthrop, WA. On its Q2 2026 call report, Farmers State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 159 Riverside Ave, Winthrop, WA 98862
- County
- Okanogan
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1916
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 6
- Domestic deposits
- $41.4M
- Allowance for credit losses
- $220K
- Net charge-offs (YTD)
- $5K
- Average total assets
- $48.2M
- Average total loans
- $3.5M
- Average interest-bearing deposits
- $18.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6156
- Fed RSSD
- 694771
- Website
- http://farmersstatebankwa.com →
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. 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 $47.4M (Q2 2026) and a high of $56.1M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$47.4M total assets against $49.1M; $41.4M total liabilities against $43.8M.
$3.3M net loans and leases against $3.5M; $41.4M total deposits against $43.7M.
$17.9M securities against $19.9M; $25.7M cash and balances due against $25.3M.
$446K total interest income against $410K; $45K total interest expense against $40K.
$401K net interest income against $370K.
$9K total noninterest income against $17K; $243K total noninterest expense against $221K.
$0 provision for credit losses against $10K.
$132K net income against $124K.
1.10% return on assets against 1.01%; 3.43% net interest margin against 3.09%.
12.38% tier 1 leverage ratio against 10.92%.
Inside the full Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.67% (Q4 2025) to 1.30% (Q3 2025) and its net interest margin ran from 2.92% (Q3 2024) to 3.43% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.38% | 1.10% | 0.00% | 0.00% | 3.43% |
| Q1 2026 | 11.68% | 1.29% | 0.00% | 0.00% | 3.38% |
| Q4 2025 | 11.15% | 0.67% | 0.00% | 0.00% | 3.15% |
| Q3 2025 | 11.03% | 1.30% | 0.00% | 0.00% | 3.17% |
| Q2 2025 | 10.92% | 1.01% | 0.00% | 0.00% | 3.09% |
| Q1 2025 | 10.34% | 1.10% | 0.60% | 0.40% | 2.94% |
| Q4 2024 | 9.64% | 0.68% | 0.00% | 0.00% | 3.21% |
| Q3 2024 | 9.75% | 0.83% | 1.93% | 1.46% | 2.92% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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) | Winthrop , WA | 98862 | $41.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in WA, rank 55 of 61 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 $47.4 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Winthrop, WA, United States.
When was Farmers State Bank founded?
It was established in 1916, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6156). 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 1 domestic office, 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 0.00% 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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