Farmers State Bank (FDIC #15367): Bank Stress & Real-Estate Credit Exposure
Farmers State Bank (FDIC Cert #15367): bank stress 64/100, elevated, STABLE over 7 days; parent GROESBECK BANCSHARES INC.
Farmers State Bank (#15367) lends in 3 counties across 1 state; Farmers State Bank (#15367) reaches 25 ZIP codes: Texas 3 counties, 25 ZIPs.
Farmers State Bank (#15367) largest markets: Limestone County, TX (42 branches, 14 ZIPs) (#15367), Freestone County, TX (18 branches, 9 ZIPs) (#15367), Leon County, TX (8 branches, 8 ZIPs) (#15367).
Farmers State Bank (#15367) reports $196.0 million in total assets; Farmers State Bank (#15367) equity $17.3 million (8.8% of Farmers State Bank (#15367) assets); Farmers State Bank (#15367) domestic deposits $176.8 million; Farmers State Bank (#15367) net income $1.5 million; Farmers State Bank (#15367) return on assets 1.55%; Farmers State Bank (#15367) return on equity 17.11%; Farmers State Bank (#15367) net interest income $4.0 million; Farmers State Bank (#15367) call report June 30, 2026.
Farmers State Bank (#15367) noncurrent real-estate loans: none reported; Farmers State Bank (#15367) net charge-offs on real estate 0.05%; Farmers State Bank (#15367) residential charge-offs 0.16%.
Farmers State Bank (#15367) net interest margin 4.54% against an eight-quarter Farmers State Bank (#15367) average of 4.57% (Farmers State Bank (#15367) compression 0.03 points); Farmers State Bank (#15367) non-residential real estate 16.3% of equity; Farmers State Bank (#15367) rate-exposure score 40/100, Farmers State Bank (#15367) fixed-rate trap 40/100; Farmers State Bank (#15367) risk type credit driven; Farmers State Bank (#15367) rate regime rates elevated, Farmers State Bank (#15367) snapshot October 19, 2026.
Farmers State Bank (#15367) stress score moved from 62.9 on June 22, 2026 to 63.7 on October 19, 2026; Farmers State Bank (#15367) ranged 62.9 to 63.7 over 116 snapshots.
Farmers State Bank (#15367) alerts: 3 counties; top Farmers State Bank (#15367) alert scores: Jewett County, TX 21 (low); Mexia County, TX 21 (low); Wortham County, TX 21 (low).