Farmers State Bank (Center, 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 Center, TX, established in 1910 (FDIC certificate 13407), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $391.5M, up 7.4% from Q2 2025, the 183rd largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 20.19% 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
- 13407
- Headquarters
- Center, TX
- Established
- 1910
- Total assets, Q2 2026
- $391.5M
- Assets vs Q2 2025
- +7.4%
- CET1 ratio, Q2 2026
- 20.19%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 113105070
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank call report
- Holding company
- FARMERS BANCSHARES, INC.
- Asset rank in state
- 183rd of 346 in Texas
Farmers State Bank earns an unusually wide margin on its lending. Based in Center, Texas, it had $391 million in assets at June 30, 2026, up 7.4% from a year earlier. It keeps 4.76 cents of net interest income on every dollar of earning assets, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also pays an average of 1.22% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.80%).
The commercial and industrial book ($77 million) is worsening: 6.07% of it is past due or on nonaccrual, up from 2.70% a year earlier. Net income for the quarter rose 17% from a year earlier, to $1.9 million.
As of June 30, 2026, Farmers State Bank reported a CET1 capital ratio of 20.19%, a return on assets of 1.96%, a nonperforming-loan ratio of 0.59% and a Texas ratio of 4.06%. The figures come from its call report filed with the FFIEC.
Farmers State Bank ranks as the 183rd largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $391.5M, loans fell 3.3% and deposits rose 0.7%. Commercial and industrial loans made up 33.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.8%. The FDIC Summary of Deposits lists 6 offices for it, in 4 cities in TX; its Center 3 offices book 71% of its branch deposits. Judged on its Q2 2026 call report, Farmers State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 115 Shelbyville St, Center, TX 75935
- County
- Shelby
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 7, 1910
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 74
- Domestic deposits
- $335.0M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- -$105K
- Average total assets
- $387.8M
- Average total loans
- $222.2M
- Average interest-bearing deposits
- $196.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13407
- Fed RSSD
- 875057
- Website
- www.fsbctx.bank →
- Parent Holding Company
- FARMERS BANCSHARES, INC. (RSSD 1109320)
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
Farmers State Bank's total assets moved between a low of $351.7M (Q3 2024) and a high of $404.0M (Q4 2025) 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
$391.5M total assets against $364.5M; $337.6M total liabilities against $312.1M.
$227.8M net loans and leases against $209.3M; $335.0M total deposits against $308.6M.
$94.5M securities against $94.2M; $51.0M cash and balances due against $42.3M.
$5.3M total interest income against $5.3M; $1.0M total interest expense against $1.1M.
$4.3M net interest income against $4.2M.
$554K total noninterest income against $456K; $2.8M total noninterest expense against $3.1M.
$100K provision for credit losses against $0.
$1.9M net income against $1.6M.
1.96% return on assets against 1.78%; 4.76% net interest margin against 4.99%.
20.19% CET1 capital ratio against 23.09%; 14.41% tier 1 leverage ratio against 14.93%.
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 540 of 3,611, for ROA; its furthest is 2,085 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.77% (Q3 2024) to 2.25% (Q1 2026) and its net interest margin ran from 4.76% (Q2 2026) to 5.35% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.19% | 1.96% | 0.59% | 4.06% | 4.76% |
| Q1 2026 | 20.38% | 2.25% | 0.49% | 3.72% | 5.02% |
| Q4 2025 | 19.63% | 2.03% | 0.68% | 4.78% | 5.28% |
| Q3 2025 | 23.75% | 1.88% | 0.32% | 3.64% | 4.98% |
| Q2 2025 | 23.09% | 1.78% | 0.51% | 4.42% | 4.99% |
| Q1 2025 | 23.56% | 1.89% | 0.75% | 5.45% | 4.88% |
| Q4 2024 | 21.62% | 2.14% | 0.46% | 4.55% | 5.35% |
| Q3 2024 | 23.41% | 1.77% | 1.32% | 6.27% | 5.13% |
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) | Center , TX | 75935 | $228.3M |
| Carthage Branch | Carthage , TX | 75633 | $58.1M |
| Shelbyville Branch | Shelbyville , TX | 75973 | $21.8M |
| Joaquin Branch | Joaquin , TX | 75954 | $18.3M |
| Center Branch | Center , TX | 75935 | $8.6M |
| Drive-In Facility | Center , TX | 75935 | $0 |
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 |
|---|---|---|---|
| July 22, 1999 | Structure Change | Acquired The First National Bank of Carthage Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 21, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 227 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $400K approved, $400K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 $391.5 million in its FFIEC call report.
Where is Farmers State Bank headquartered?
It is headquartered in Center, TX, United States.
When was Farmers State Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13407). 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 20.19% 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 8 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 4.06% 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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