Farmers State Bank (FDIC #13407): Bank Stress & Real-Estate Credit Exposure

Farmers State Bank (FDIC Cert #13407): bank stress 36/100, contained, STABLE over 7 days; parent FARMERS BANCSHARES INC.

Farmers State Bank (#13407) lends in 2 counties across 1 state; Farmers State Bank (#13407) reaches 16 ZIP codes: Texas 2 counties, 16 ZIPs.

Farmers State Bank (#13407) largest markets: Panola County, TX (13 branches, 13 ZIPs) (#13407), Shelby County, TX (35 branches, 7 ZIPs) (#13407).

Farmers State Bank (#13407) reports $391.5 million in total assets; Farmers State Bank (#13407) equity $53.9 million (13.8% of Farmers State Bank (#13407) assets); Farmers State Bank (#13407) domestic deposits $335.0 million; Farmers State Bank (#13407) net income $4.0 million; Farmers State Bank (#13407) return on assets 2.05%; Farmers State Bank (#13407) return on equity 14.99%; Farmers State Bank (#13407) net interest income $8.6 million; Farmers State Bank (#13407) call report June 30, 2026.

Farmers State Bank (#13407) noncurrent real-estate loans: none reported; Farmers State Bank (#13407) net charge-offs on real estate 0.12%; Farmers State Bank (#13407) residential charge-offs 0.04%.

Farmers State Bank (#13407) net interest margin 4.67% against an eight-quarter Farmers State Bank (#13407) average of 4.85% (Farmers State Bank (#13407) compression 0.18 points); Farmers State Bank (#13407) non-residential real estate 3.7% of equity; Farmers State Bank (#13407) rate-exposure score 40/100, Farmers State Bank (#13407) fixed-rate trap 40/100; Farmers State Bank (#13407) risk type rate trapped; Farmers State Bank (#13407) rate regime rates elevated, Farmers State Bank (#13407) snapshot October 19, 2026.

Farmers State Bank (#13407) stress score moved from 31 on June 22, 2026 to 36.3 on October 19, 2026; Farmers State Bank (#13407) ranged 31 to 36.3 over 116 snapshots.

Farmers State Bank (#13407) alerts: 2 counties; top Farmers State Bank (#13407) alert scores: Carthage County, TX 14 (low); Shelbyville County, TX 14 (low).