Farmers State Bank: Bank Stress & Real-Estate Credit Exposure

At 76/100, Farmers State Bank's DLRadar bank-stress reading is severe; the institution is filed under FDIC Cert #13897. That figure comes straight from public FDIC call-report data — capital, asset quality, earnings and property-loan concentration — weighted by the bank's lending footprint.

At the county level, Farmers State Bank finances markets like Clay County, MO, Buchanan County, MO, Clinton County, MO, Atchison County, MO — the specific places where its credit posture translates into local lending capacity. The Farmers State Bank score updates as fresh FDIC call reports post each quarter, so its 76/100 reading and 6-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Farmers State Bank is directly comparable to any lender in the country. Its footprint is compact and single-state: 63 ZIP codes in 6 counties over 1 states. It concentrates most in Missouri (6 counties). The combination of a severe reading and a compact footprint is what makes Farmers State Bank worth watching as a supply signal. The value is in the linkage: Farmers State Bank's severe reading is mapped onto 63 ZIP codes and 6 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. Because Farmers State Bank is held under Fsc Bancshares Inc, its financials are open to scrutiny and its trend can be independently checked. What separates this from a plain credit rating is the geographic weighting — Farmers State Bank's 76/100 reading reflects not just its balance sheet but the 6 counties it lends into, so the score doubles as a map of where its stress will land first.

For buyers, lender stress is an early map of supply: when Farmers State Bank pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. That lets you move ahead of the market, with each number sourced from public federal filings.