Farmers State Bank

BankWaterloo, Iowa
www.fsb1879.com

Total Assets

$1.6B

Total Deposits

$1.2B

Branches

8

Established

1903

TFS Health Grade

$
C-

71.5 / 100

Average financial health

How we grade

Farmers State Bank is a bank headquartered in Waterloo, Iowa, established in 1903. With $1.6B in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (71.5/100).

Capital & Safety

Tier 1 Capital Ratio
10.62%(8%)
Total Capital Ratio
13.91%(10%)
Non-Performing Loan Ratio
0.05%

Profitability

Return on Assets (ROA)
1.05%(1%)
Return on Equity (ROE)
11.23%(10%)
Net Interest Margin
2.44%
Efficiency Ratio
56.44%(60%)

Lending & Liquidity

Total Loans
$1.3B
Loan-to-Deposit Ratio
104.55%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
-0.77%
Deposit Growth (YoY)
+7.90%
Net Income
$17.0M

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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