Farmers State Bank&Trust Co (FDIC #16114): Bank Stress & Real-Estate Credit Exposure

Farmers State Bank&Trust Co (FDIC Cert #16114): bank stress 59/100, moderate, STABLE over 7 days; parent FSB BANCSHARES INC.

Farmers State Bank&Trust Co (#16114) lends in 3 counties across 1 state; Farmers State Bank&Trust Co (#16114) reaches 43 ZIP codes: Louisiana 3 counties, 43 ZIPs.

Farmers State Bank&Trust Co (#16114) largest markets: St. Landry County, LA (19 branches, 19 ZIPs) (#16114), Lafayette County, LA (32 branches, 16 ZIPs) (#16114), Acadia County, LA (30 branches, 15 ZIPs) (#16114).

Farmers State Bank&Trust Co (#16114) reports $174.7 million in total assets; Farmers State Bank&Trust Co (#16114) equity $13.8 million (7.9% of Farmers State Bank&Trust Co (#16114) assets); Farmers State Bank&Trust Co (#16114) domestic deposits $159.7 million; Farmers State Bank&Trust Co (#16114) net income $1.7 million; Farmers State Bank&Trust Co (#16114) return on assets 1.93%; Farmers State Bank&Trust Co (#16114) return on equity 23.81%; Farmers State Bank&Trust Co (#16114) net interest income $3.5 million; Farmers State Bank&Trust Co (#16114) call report June 30, 2026.

Farmers State Bank&Trust Co (#16114) noncurrent real-estate loans 0.10% of its book; Farmers State Bank&Trust Co (#16114) net charge-offs on real estate 3.56%; Farmers State Bank&Trust Co (#16114) residential charge-offs 0.19%.

Farmers State Bank&Trust Co (#16114) net interest margin 4.35% against an eight-quarter Farmers State Bank&Trust Co (#16114) average of 4.33% (Farmers State Bank&Trust Co (#16114) compression -0.02 points); Farmers State Bank&Trust Co (#16114) real-estate loans 9.6% of equity; Farmers State Bank&Trust Co (#16114) non-residential real estate 19.3% of equity; Farmers State Bank&Trust Co (#16114) rate-exposure score 40/100, Farmers State Bank&Trust Co (#16114) fixed-rate trap 40/100; Farmers State Bank&Trust Co (#16114) risk type credit driven; Farmers State Bank&Trust Co (#16114) rate regime rates elevated, Farmers State Bank&Trust Co (#16114) snapshot October 19, 2026.

Farmers State Bank&Trust Co (#16114) stress score moved from 60.5 on June 22, 2026 to 59.4 on October 19, 2026; Farmers State Bank&Trust Co (#16114) ranged 59.4 to 60.5 over 116 snapshots.

Farmers State Bank&Trust Co (#16114) alerts: 3 counties; top Farmers State Bank&Trust Co (#16114) alert scores: Church Point County, LA 22 (low); Sunset County, LA 22 (low); Youngsville County, LA 22 (low).