Farmers State Bank (FDIC #14578): Bank Stress & Real-Estate Credit Exposure
Farmers State Bank (FDIC Cert #14578): bank stress 54/100, moderate, STABLE over 7 days; parent FS BCORP.
Farmers State Bank (#14578) lends in 4 counties across 2 states; Farmers State Bank (#14578) reaches 45 ZIP codes: Indiana 3 counties, 32 ZIPs; Michigan 1 county, 13 ZIPs.
Farmers State Bank (#14578) largest markets: Elkhart County, IN (17 branches, 17 ZIPs) (#14578), Lagrange County, IN (91 branches, 13 ZIPs) (#14578), St. Joseph County, MI (13 branches, 13 ZIPs) (#14578), Steuben County, IN (27 branches, 9 ZIPs) (#14578).
Farmers State Bank (#14578) reports $1.31 billion in total assets; Farmers State Bank (#14578) equity $129.7 million (9.9% of Farmers State Bank (#14578) assets); Farmers State Bank (#14578) domestic deposits $1.16 billion; Farmers State Bank (#14578) net income $11.9 million; Farmers State Bank (#14578) return on assets 1.85%; Farmers State Bank (#14578) return on equity 18.63%; Farmers State Bank (#14578) net interest income $24.7 million; Farmers State Bank (#14578) call report June 30, 2026.
Farmers State Bank (#14578) noncurrent real-estate loans 0.02% of its book; Farmers State Bank (#14578) net charge-offs on real estate 0.02%; Farmers State Bank (#14578) residential charge-offs 0.05%.
Farmers State Bank (#14578) net interest margin 4.04% against an eight-quarter Farmers State Bank (#14578) average of 3.66% (Farmers State Bank (#14578) compression -0.38 points); Farmers State Bank (#14578) real-estate loans 1.6% of equity; Farmers State Bank (#14578) non-residential real estate 5.0% of equity; Farmers State Bank (#14578) rate-exposure score 40/100, Farmers State Bank (#14578) fixed-rate trap 40/100; Farmers State Bank (#14578) risk type credit driven; Farmers State Bank (#14578) rate regime rates elevated, Farmers State Bank (#14578) snapshot October 20, 2026.
Farmers State Bank (#14578) stress score moved from 53.8 on June 22, 2026 to 54.1 on October 20, 2026; Farmers State Bank (#14578) ranged 53.8 to 54.1 over 117 snapshots.
Farmers State Bank (#14578) alerts: 4 counties; top Farmers State Bank (#14578) alert scores: Hamilton County, IN 38 (moderate); Millersburg County, IN 20 (low); Sturgis County, IN 20 (low); Wolcottville County, IN 20 (low).