Farmers State Bank

BankNorthwood, Iowa
www.fsbbanks.com

Total Assets

$220.7M

Total Deposits

$182.5M

Branches

8

Established

1921

TFS Health Grade

$
D

64.5 / 100

Below average financial health

How we grade

Farmers State Bank is a bank headquartered in Northwood, Iowa, established in 1921. With $220.7M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D (64.5/100).

Capital & Safety

Tier 1 Capital Ratio
12.43%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.45%

Profitability

Return on Assets (ROA)
0.55%(1%)
Return on Equity (ROE)
5.98%(10%)
Net Interest Margin
3.60%
Efficiency Ratio
67.62%(60%)

Lending & Liquidity

Total Loans
$159.5M
Loan-to-Deposit Ratio
86.38%
Net Charge-Off Ratio
0.22%

Growth

Asset Growth (YoY)
+0.83%
Deposit Growth (YoY)
+3.17%
Net Income
$1.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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