Farmers State Bank

BankMountain City, Tennessee
www.fsbankmctn.com

Total Assets

$229.4M

Total Deposits

$197.6M

Branches

3

Established

1934

TFS Health Grade

$
C+

77.3 / 100

Average financial health

How we grade

Farmers State Bank is a bank headquartered in Mountain City, Tennessee, established in 1934. With $229.4M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C+ (77.3/100).

Capital & Safety

Tier 1 Capital Ratio
12.33%(8%)
Total Capital Ratio
19.88%(10%)
Non-Performing Loan Ratio
0.14%

Profitability

Return on Assets (ROA)
0.86%(1%)
Return on Equity (ROE)
9.26%(10%)
Net Interest Margin
3.83%
Efficiency Ratio
69.78%(60%)

Lending & Liquidity

Total Loans
$137.5M
Loan-to-Deposit Ratio
68.73%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+5.89%
Deposit Growth (YoY)
+1.09%
Net Income
$1.9M

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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