The Farmers State Bank (Quinton, OK)
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Data as of · sourced from FFIEC call reports. How we update
The Farmers State Bank is an FDIC-insured commercial bank headquartered in Quinton, OK, established in 1908 (FDIC certificate 404), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $193.9M, down 0.8% from Q2 2025, the 101st largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 13.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 404
- Headquarters
- Quinton, OK
- Established
- 1908
- Total assets, Q2 2026
- $193.9M
- Assets vs Q2 2025
- -0.8%
- CET1 ratio, Q2 2026
- 13.05%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103104874
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers State Bank call report
- Holding company
- F.S.B. PROPERTIES, INC.
- Asset rank in state
- 101st of 169 in Oklahoma
The Farmers State Bank is one of the more profitable banks of its size. Its balance sheet stood at $194 million at June 30, 2026; it is based in Quinton, Oklahoma. It returns 31.9% a year on shareholders' equity, 2.6 times the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.23 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Paper losses on its bond portfolio are shrinking: unrealized losses of $8.2 million equal 45% of Tier 1 capital, down from 63% a year earlier. The commercial and industrial book ($17 million) is worsening: 4.47% of it is past due or on nonaccrual, up from 2.33% a year earlier. Where it has less room is capital: it funds 9.30% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Farmers State Bank reported a CET1 capital ratio of 13.05%, a return on assets of 1.62%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 8.45%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, The Farmers State Bank is the 101st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.3% to $193.9M, loans fell 2.4% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 33.9% of total loans, ahead of commercial and industrial loans at 13.1%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in OK; its Stigler office books 50% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Farmers State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1100 Main St, Quinton, OK 74561
- County
- Pittsburg
- Metro Area
- McAlester, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 8, 1908
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 49
- Domestic deposits
- $182.1M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $314K
- Average total assets
- $195.4M
- Average total loans
- $129.7M
- Average interest-bearing deposits
- $143.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 404
- Fed RSSD
- 647759
- Website
- www.fsb1908.bank →
- Parent Holding Company
- F.S.B. PROPERTIES, INC. (RSSD 1055539)
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
The Farmers State Bank's total assets moved between a low of $177.3M (Q3 2023) and a high of $198.6M (Q1 2026) 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
$193.9M total assets against $195.6M; $184.0M total liabilities against $189.3M.
$125.5M net loans and leases against $121.7M; $182.1M total deposits against $186.4M.
$45.1M securities against $47.6M; $10.3M cash and balances due against $13.9M.
$3.1M total interest income against $3.1M; $683K total interest expense against $783K.
$2.4M net interest income against $2.3M.
$588K total noninterest income against $521K; $2.1M total noninterest expense against $1.9M.
$181K provision for credit losses against $150K.
$790K net income against $727K.
1.62% return on assets against 1.50%; 5.23% net interest margin against 4.85%.
13.05% CET1 capital ratio against 12.76%; 9.30% tier 1 leverage ratio against 8.89%.
Inside the full The Farmers State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers State Bank rankings
Its closest position to the top of a national ranking is 778 of 3,640, for Texas Ratio; its furthest is 3,001 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.17% (Q4 2024) to 1.62% (Q2 2026) and its net interest margin ran from 4.52% (Q4 2024) to 5.23% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.05% | 1.62% | 0.79% | 8.45% | 5.23% |
| Q1 2026 | 12.36% | 1.53% | 0.52% | 5.70% | 5.18% |
| Q4 2025 | 12.67% | 0.88% | 0.60% | 7.02% | 5.13% |
| Q3 2025 | 11.96% | 1.51% | 0.64% | 7.96% | 4.90% |
| Q2 2025 | 12.76% | 1.50% | 0.58% | 8.90% | 4.85% |
| Q1 2025 | 11.98% | 1.23% | 0.31% | 4.54% | 4.80% |
| Q4 2024 | 12.72% | 0.17% | 0.50% | 7.91% | 4.52% |
| Q3 2024 | 13.11% | 1.45% | 0.64% | 7.80% | 4.57% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Haskell County Branch | Stigler , OK | 74462 | $91.9M |
| The Farmers State Bank | Quinton , OK | 74561 | $49.7M |
| Eufaula Branch | Eufaula , OK | 74432 | $22.7M |
| Red Oak Branch | Red Oak , OK | 74563 | $17.8M |
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 |
|---|---|---|---|
| December 17, 1983 | Structure Change | Acquired Bank of Red Oak Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 16, 1983 | 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 OK, rank 108 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $26K approved, $26K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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 The Farmers State Bank
What are The Farmers State Bank's total assets?
As of the Q2 2026 filing, The Farmers State Bank reported total assets of $193.9 million in its FFIEC call report.
Where is The Farmers State Bank headquartered?
It is headquartered in Quinton, OK, United States.
When was The Farmers State Bank founded?
It was established in 1908, per the FDIC institution directory.
Is The Farmers State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers State Bank?
The Farmers State Bank's primary federal regulator is the Federal Reserve.
What is The Farmers State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers State Bank's Texas Ratio?
Its Texas Ratio is 8.45% 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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