What is Farmers State Bank's financial health grade?

Farmers State Bank has a TFS Financial Health Grade of B (score: 83.9/100). 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 8 branch locations across the United States.

Is Farmers State Bank FDIC insured?

Yes, Farmers State Bank is FDIC insured (Certificate #13407).

What are the total assets of Farmers State Bank?

Farmers State Bank has total assets of $404.0M as reported in its most recent FDIC filing.

Farmers State Bank

BankCenter, Texas

www.fsbctx.bank

Total Assets

$404.0M

Total Deposits

$347.8M

Branches

Established

1910

TFS Health Grade

83.9 / 100

Good financial health

How we grade

Farmers State Bank is a bank headquartered in Center, Texas, established in 1910. With $404.0M in total assets and 8 branch locations, it has a TFS Financial Health Grade of B (83.9/100).

Capital & Safety

Tier 1 Capital Ratio

14.66%(8%)

Total Capital Ratio

20.72%(10%)

Non-Performing Loan Ratio

0.68%

Profitability

Return on Assets (ROA)

1.88%(1%)

Return on Equity (ROE)

13.45%(10%)

Net Interest Margin

4.89%

Efficiency Ratio

62.86%(60%)

Lending & Liquidity

Total Loans

$243.1M

Loan-to-Deposit Ratio

69.03%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+10.92%

Deposit Growth (YoY)

+11.11%

Net Income

$7.0M

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.

Branch	Address	City	State	Type
Farmers State BankHQ	115 Shelbyville St	Center	TX	11
Farmers State Bank	114 W Wellington St	Carthage	TX	11
Farmers State Bank	275 Rough Rider Dr	Center	TX	11
Farmers State Bank	209 Logansport St	Center	TX	23
Farmers State Bank	321 W Us Highway 79	Franklin	TX	23
Farmers State Bank	12607 U.S. Hwy. 84 East	Joaquin	TX	11
Farmers State Bank	3540 Ne Stallings Dr	Nacogdoches	TX	24
Farmers State Bank	5033 State Highway 87 S	Shelbyville	TX	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.