Branch Network
Farmers State Bank Locations & Branches Waterloo, Iowa
BankRegReports is independent of Farmers State Bank and never asks for online banking logins or passwords.
Farmers State Bank operates 8 branches from its headquarters in Waterloo, IA, .
Farmers State Bank branch network
All 8 branches are in IOWA, across 7 cities. Waterloo, IA has the most of its branches, 2. Its largest office by deposits is its main office in Waterloo, IA, with $439.6M (35.0% of its branch deposits). It had the same number of branches on June 30, 2025.
Farmers State Bank at a glance
Its CET1 capital ratio was 13.41% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.60B
- CET1 ratio, Q2 2026
- 13.41%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1903
Full financial profile · Is Farmers State Bank safe? · Farmers State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waterloo, IA (2 branches) | 1 of 10 | 42.8% | $636.1M |
| State: IA (8 branches) | 23 of 261 | 1.0% | $1.26B |
Ranked by total assets among banks headquartered in the state: Largest banks in Iowa.
Share by county and metro area
Farmers State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Black Hawk, IA (5 branches) | 1 of 13 | 34.9% | $936.6M | $2.68B |
| Buchanan, IA (1 branch) | 2 of 6 | 20.2% | $146.9M | $726.3M |
| Dallas, IA (1 branch) | 8 of 28 | 4.5% | $114.5M | $2.54B |
| Bremer, IA (1 branch) | 6 of 8 | 5.6% | $57.3M | $1.02B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Waterloo-Cedar Falls, IA (6 branches) | 1 of 23 | 21.4% | $993.9M | $4.65B |
| Des Moines-West Des Moines, IA (1 branch) | 37 of 57 | 0.3% | $114.5M | $37.99B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers State Bank (main office) | Waterloo, IA | 50701 | $439.6M |
| Downtown Cedar Falls | Cedar Falls, IA | 50613 | $252.0M |
| Farmers State Bank (main office) | Waterloo, IA | 50701 | $196.4M |
| Jesup Branch | Jesup, IA | 50648 | $146.9M |
| West Des Moines Branch | West Des Moines, IA | 50266 | $114.5M |
| Waverly Branch | Waverly, IA | 50677 | $57.3M |
| Farmers State Bank, Gilbertville Branch | Gilbertville, IA | 50634 | $48.5M |
| Dunkerton Branch | Dunkerton, IA | 50626 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 12855) · FFIEC NIC profile (RSSD 840747)