Farmers State Bank & Trust Company
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Data as of · sourced from FFIEC call reports. How we update
Farmers State Bank & Trust Company is an FDIC-insured commercial bank headquartered in Church Point, LA, established in 1944 (FDIC certificate 16114), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $174.7M, up 3.5% from Q2 2025, the 80th largest of 102 banks headquartered in Louisiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.10% 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
- 16114
- Headquarters
- Church Point, LA
- Established
- 1944
- Total assets, Q2 2026
- $174.7M
- Assets vs Q2 2025
- +3.5%
- Tier 1 leverage ratio, Q2 2026
- 9.10%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 065203499
- Latest call report
- Q2 2026, FFIEC 051 · Farmers State Bank & Trust Company call report
- Holding company
- FSB BANCSHARES, INC.
- Asset rank in state
- 80th of 102 in Louisiana
Problem loans are rising at Farmers State Bank & Trust Company. Its balance sheet stood at $175 million at June 30, 2026, up 3.5% from a year earlier; it is based in Church Point, Louisiana. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.76% of loans from 0.03% a year earlier. It returns 25.9% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 14.9% of the capital and reserves that would absorb them, 5.6 times the median of 2.6% for banks its size.
Unrealized losses on its securities total $2.8 million, equal to 18% of Tier 1 capital, against 21% a year earlier. Loans are outrunning deposits: over the year loans rose 7.6% and deposits rose 3.5%. Where it has less room is capital: it funds 9.10% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Farmers State Bank & Trust Company reported a return on assets of 2.00%, a nonperforming-loan ratio of 2.76% and a Texas ratio of 14.92%. The figures come from its call report filed with the FFIEC.
Farmers State Bank & Trust Company ranks as the 80th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.3% to $174.7M, loans rose 5.6% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was owner-occupied commercial real estate loans, at 25.5% of total loans, ahead of 1-4 family residential loans at 17.5%. Its 5 offices in the FDIC Summary of Deposits are in 4 cities in LA; its Church Point 2 offices book 65% of its branch deposits. By the capital ratios in its Q2 2026 call report, Farmers State Bank & Trust Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 110 W Plaquemine St, Church Point, LA 70525
- County
- Acadia
- Metro Area
- Lafayette, LA
- 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 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 3, 1944
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 43
- Domestic deposits
- $159.7M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $53K
- Average total assets
- $175.7M
- Average total loans
- $80.4M
- Average interest-bearing deposits
- $108.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 3, 1944
- FDIC Cert
- 16114
- Fed RSSD
- 567736
- Website
- www.farmers24.com →
- Parent Holding Company
- FSB BANCSHARES, INC. (RSSD 3371701)
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 & Trust Company 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 & Trust Company's total assets ran between $160.0M (Q3 2023) and $174.7M (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
$174.7M total assets against $168.8M; $160.9M total liabilities against $155.7M.
$81.0M net loans and leases against $75.1M; $159.7M total deposits against $154.3M.
$59.1M securities against $56.5M; $28.7M cash and balances due against $31.6M.
$2.3M total interest income against $2.3M; $499K total interest expense against $514K.
$1.8M net interest income against $1.8M.
$229K total noninterest income against $215K; $1.2M total noninterest expense against $1.1M.
$0 provision for credit losses against $0.
$880K net income against $865K.
2.00% return on assets against 2.05%; 4.37% net interest margin against 4.41%.
9.10% tier 1 leverage ratio against 9.42%.
Inside the full Farmers State Bank & Trust Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Farmers State Bank & Trust Company rankings
Its closest position to the top of a national ranking is 312 of 3,640, for Texas Ratio; its furthest is 3,136 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.82% (Q4 2024) to 2.08% (Q1 2025) and its net interest margin ran from 4.18% (Q4 2024) to 4.44% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.10% | 2.00% | 2.76% | 14.92% | 4.37% |
| Q1 2026 | 9.10% | 1.83% | 2.96% | 15.43% | 4.19% |
| Q4 2025 | 9.96% | 1.89% | 0.45% | 2.16% | 4.40% |
| Q3 2025 | 9.76% | 2.06% | 1.01% | 4.96% | 4.44% |
| Q2 2025 | 9.42% | 2.05% | 0.03% | 0.16% | 4.41% |
| Q1 2025 | 9.13% | 2.08% | 0.85% | 6.81% | 4.21% |
| Q4 2024 | 9.83% | 1.82% | 0.29% | 3.63% | 4.18% |
| Q3 2024 | 9.53% | 2.07% | 0.86% | 6.83% | 4.34% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 & Trust Co. | Church Point , LA | 70525 | $88.6M |
| Judice Branch | Duson , LA | 70529 | $35.6M |
| South Main Street Branch | Church Point , LA | 70525 | $14.8M |
| Youngsville Branch | Youngsville , LA | 70592 | $10.5M |
| Cankton Branch | Cankton , LA | 70584 | $10.3M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in LA, rank 87 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 31 applications, 20 loans originated, $2.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $328K approved, $164K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 & Trust Company
What are Farmers State Bank & Trust Company's total assets?
As of the Q2 2026 filing, Farmers State Bank & Trust Company reported total assets of $174.7 million in its FFIEC call report.
Where is Farmers State Bank & Trust Company headquartered?
It is headquartered in Church Point, LA, United States.
When was Farmers State Bank & Trust Company founded?
It was established in 1944, per the FDIC institution directory.
Is Farmers State Bank & Trust Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16114). 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 & Trust Company?
Farmers State Bank & Trust Company's primary federal regulator is the FDIC.
How many branches does Farmers State Bank & Trust Company operate?
It operates 5 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 & Trust Company's Texas Ratio?
Its Texas Ratio is 14.92% 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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