Farmers State Bank (Lake View, IA)
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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 Lake View, IA, established in 1914 (FDIC certificate 9295), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $36.7M, up 3.2% from Q2 2025, the 221st largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 9295
- Headquarters
- Lake View, IA
- Established
- 1914
- Total assets, Q2 2026
- $36.7M
- Assets vs Q2 2025
- +3.2%
- Tier 1 leverage ratio, Q2 2026
- 13.07%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 073918103
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank call report
- Holding company
- JEMS, INC.
- Asset rank in state
- 221st of 225 in Iowa
Farmers State Bank, based in Lake View, Iowa, reported $37 million in assets at June 30, 2026, up 3.2% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also spends about 51 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Earnings jumped: net income for the quarter was $112,000, 53% above the same quarter a year earlier.
As of June 30, 2026, Farmers State Bank reported a return on assets of 1.14%, 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 221st largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 5.0% to $36.7M, loans rose 1.9% and deposits fell 5.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 38.7% of total loans, followed by commercial and industrial loans at 33.0%. Its one office in the FDIC Summary of Deposits is in Lake View, IA. Judged on its Q2 2026 call report, Farmers State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 401 Main St, Lake View, IA 51450
- County
- Sac
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1914
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $31.5M
- Allowance for credit losses
- $412K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $39.3M
- Average total loans
- $12.5M
- Average interest-bearing deposits
- $26.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9295
- Fed RSSD
- 749840
- Website
- www.fsblv.com →
- Parent Holding Company
- JEMS, INC. (RSSD 1201756)
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
Over the 12 quarters to Q2 2026, Farmers State Bank's total assets ran between $34.0M (Q3 2024) and $38.6M (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
$36.7M total assets against $35.5M; $31.5M total liabilities against $30.6M.
$12.3M net loans and leases against $12.2M; $31.5M total deposits against $30.6M.
$8.5M securities against $16.3M; $15.6M cash and balances due against $6.7M.
$453K total interest income against $412K; $103K total interest expense against $118K.
$350K net interest income against $294K.
$10K total noninterest income against $8K; $184K total noninterest expense against $200K.
No provision recorded in the last 12 quarters.
$112K net income against $73K.
1.14% return on assets against 0.80%; 3.69% net interest margin against 3.35%.
13.07% tier 1 leverage ratio against 13.52%.
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 0.48% (Q4 2025) to 1.15% (Q3 2025) and its net interest margin ran from 3.20% (Q1 2025) to 3.69% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.07% | 1.14% | 0.00% | 0.00% | 3.69% |
| Q1 2026 | 13.53% | 1.03% | 0.00% | 0.00% | 3.59% |
| Q4 2025 | 13.82% | 0.48% | 0.00% | 0.00% | 3.55% |
| Q3 2025 | 13.96% | 1.15% | 0.00% | 0.00% | 3.49% |
| Q2 2025 | 13.52% | 0.80% | 0.00% | 0.00% | 3.35% |
| Q1 2025 | 13.15% | 0.57% | 0.00% | 0.00% | 3.20% |
| Q4 2024 | 13.60% | 0.51% | 0.00% | 0.00% | 3.26% |
| Q3 2024 | 14.18% | 0.66% | 0.00% | 0.00% | 3.22% |
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) | Lake View , IA | 51450 | $31.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IA, rank 252 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $32K approved, $32K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (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 $36.7 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Lake View, IA, United States.
When was Farmers State Bank founded?
It was established in 1914, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9295). 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 Federal Reserve.
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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