Farmers State Bank (FDIC #13897): Bank Stress & Real-Estate Credit Exposure
Farmers State Bank (FDIC Cert #13897): bank stress 76/100, severe, STABLE over 7 days; parent FSC BANCSHARES INC.
Farmers State Bank (#13897) lends in 6 counties across 1 state; Farmers State Bank (#13897) reaches 63 ZIP codes: Missouri 6 counties, 63 ZIPs.
Farmers State Bank (#13897) largest markets: Clay County, MO (23 branches, 23 ZIPs) (#13897), Buchanan County, MO (15 branches, 15 ZIPs) (#13897), Clinton County, MO (22 branches, 11 ZIPs) (#13897), Atchison County, MO (18 branches, 9 ZIPs) (#13897), Grundy County, MO (7 branches, 7 ZIPs) (#13897), Holt County, MO (12 branches, 6 ZIPs) (#13897).
Farmers State Bank (#13897) reports $385.4 million in total assets; Farmers State Bank (#13897) equity $31.9 million (8.3% of Farmers State Bank (#13897) assets); Farmers State Bank (#13897) domestic deposits $343.6 million; Farmers State Bank (#13897) net income $2.0 million; Farmers State Bank (#13897) return on assets 1.03%; Farmers State Bank (#13897) return on equity 12.76%; Farmers State Bank (#13897) net interest income $7.2 million; Farmers State Bank (#13897) call report June 30, 2026.
Farmers State Bank (#13897) noncurrent real-estate loans 0.01% of its book; Farmers State Bank (#13897) net charge-offs on real estate 0.31%.
Farmers State Bank (#13897) net interest margin 3.95% against an eight-quarter Farmers State Bank (#13897) average of 3.74% (Farmers State Bank (#13897) compression -0.21 points); Farmers State Bank (#13897) real-estate loans 0.6% of equity; Farmers State Bank (#13897) rate-exposure score 40/100, Farmers State Bank (#13897) fixed-rate trap 40/100; Farmers State Bank (#13897) risk type credit driven; Farmers State Bank (#13897) rate regime rates elevated, Farmers State Bank (#13897) snapshot October 20, 2026.
Farmers State Bank (#13897) stress score moved from 74 on June 22, 2026 to 75.9 on October 20, 2026; Farmers State Bank (#13897) ranged 74 to 75.9 over 117 snapshots.
Farmers State Bank (#13897) alerts: 6 counties; top Farmers State Bank (#13897) alert scores: Cameron County, MO 24 (low); Excelsior Springs County, MO 24 (low); Mound City County, MO 24 (low); Saint Joseph County, MO 24 (low); Tarkio County, MO 24 (low).