Farmers State Bank (FDIC #12855): Bank Stress & Real-Estate Credit Exposure

Farmers State Bank (FDIC Cert #12855): bank stress 59/100, moderate, STABLE over 7 days; parent FSB FINANCIAL SERVICES INC.

Farmers State Bank (#12855) lends in 4 counties across 1 state; Farmers State Bank (#12855) reaches 66 ZIP codes: Iowa 4 counties, 66 ZIPs.

Farmers State Bank (#12855) largest markets: Dallas County, IA (25 branches, 25 ZIPs) (#12855), Black Hawk County, IA (90 branches, 18 ZIPs) (#12855), Buchanan County, IA (16 branches, 16 ZIPs) (#12855), Bremer County, IA (13 branches, 13 ZIPs) (#12855).

Farmers State Bank (#12855) reports $1.60 billion in total assets; Farmers State Bank (#12855) equity $172.6 million (10.8% of Farmers State Bank (#12855) assets); Farmers State Bank (#12855) domestic deposits $1.26 billion; Farmers State Bank (#12855) net income $11.3 million; Farmers State Bank (#12855) return on assets 1.41%; Farmers State Bank (#12855) return on equity 13.62%; Farmers State Bank (#12855) net interest income $23.4 million; Farmers State Bank (#12855) call report June 30, 2026.

Farmers State Bank (#12855) noncurrent real-estate loans: none reported; Farmers State Bank (#12855) net charge-offs on real estate 0.02%.

Farmers State Bank (#12855) net interest margin 3.04% against an eight-quarter Farmers State Bank (#12855) average of 2.31% (Farmers State Bank (#12855) compression -0.74 points); Farmers State Bank (#12855) rate-exposure score 40/100, Farmers State Bank (#12855) fixed-rate trap 40/100; Farmers State Bank (#12855) risk type credit driven; Farmers State Bank (#12855) rate regime rates elevated, Farmers State Bank (#12855) snapshot October 19, 2026.

Farmers State Bank (#12855) stress score moved from 61.3 on June 22, 2026 to 59.4 on October 19, 2026; Farmers State Bank (#12855) ranged 59.4 to 61.3 over 116 snapshots.

Farmers State Bank (#12855) alerts: 4 counties; top Farmers State Bank (#12855) alert scores: Jesup County, IA 21 (low); Waterloo County, IA 21 (low); Waverly County, IA 21 (low); West Des Moines County, IA 21 (low).