What is Farmers State Bank's financial health grade?

Farmers State Bank has a TFS Financial Health Grade of C (score: 73.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Farmers State Bank have?

Farmers State Bank has 9 branch locations across the United States.

Is Farmers State Bank FDIC insured?

Yes, Farmers State Bank is FDIC insured (Certificate #13897).

What are the total assets of Farmers State Bank?

Farmers State Bank has total assets of $392.9M as reported in its most recent FDIC filing.

Farmers State Bank

BankCameron, Missouri

WWW.FSCBANK.BANK

Total Assets

$392.9M

Total Deposits

$352.2M

Branches

Established

1934

TFS Health Grade

73.8 / 100

Average financial health

How we grade

Farmers State Bank is a bank headquartered in Cameron, Missouri, established in 1934. With $392.9M in total assets and 9 branch locations, it has a TFS Financial Health Grade of C (73.8/100).

Capital & Safety

Tier 1 Capital Ratio

8.85%(8%)

Total Capital Ratio

14.39%(10%)

Non-Performing Loan Ratio

0.53%

Profitability

Return on Assets (ROA)

0.91%(1%)

Return on Equity (ROE)

11.88%(10%)

Net Interest Margin

3.79%

Efficiency Ratio

69.61%(60%)

Lending & Liquidity

Total Loans

$295.8M

Loan-to-Deposit Ratio

83.49%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+8.29%

Deposit Growth (YoY)

+7.10%

Net Income

$3.5M

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.

Branch	Address	City	State	Type
Farmers State BankHQ	124 E 3rd St	Cameron	MO	11
Farmers State Bank	416 N Walnut St	Cameron	MO	23
Farmers State Bank	2380 Vintage Court	Excelsior Springs	MO	11
Farmers State Bank	110 E Main St	Fairfax	MO	11
Farmers State Bank	303 S 2nd St	Maitland	MO	11
Farmers State Bank	1015 State St	Mound City	MO	11
Farmers State Bank	2211 N Belt Hwy	Saint Joseph	MO	11
Farmers State Bank	512 Main St	Tarkio	MO	11
Farmers State Bank	1503 E 9th St	Trenton	MO	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.