Farmers State Bank

BankGroesbeck, Texas
www.farmersstatebanktexas.com

Total Assets

$180.9M

Total Deposits

$161.4M

Branches

6

Established

1913

TFS Health Grade

$
D

66.7 / 100

Below average financial health

How we grade

Farmers State Bank is a bank headquartered in Groesbeck, Texas, established in 1913. With $180.9M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D (66.7/100).

Capital & Safety

Tier 1 Capital Ratio
9.50%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.04%

Profitability

Return on Assets (ROA)
1.71%(1%)
Return on Equity (ROE)
19.15%(10%)
Net Interest Margin
4.81%
Efficiency Ratio
67.13%(60%)

Lending & Liquidity

Total Loans
$95.0M
Loan-to-Deposit Ratio
58.21%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+1.55%
Deposit Growth (YoY)
-0.25%
Net Income
$3.1M

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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