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

DLRadar scores Farmers State Bank (FDIC Cert #342) at 82/100 for bank stress — a severe level of financial pressure. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

At the county level, Farmers State Bank finances markets like Missoula County, MT, Flathead County, MT, Lewis And Clark County, MT, Ravalli County, MT — the specific places where its credit posture translates into local lending capacity. Because Farmers State Bank is held under Farmers State Financial Corp, its financials are open to scrutiny and its trend can be independently checked. Rather than a standalone rating, the severe score is tied to real markets — every one of the 53 ZIP codes Farmers State Bank lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Because Farmers State Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 82/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. Over the trailing week its stress reading is stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. The DLRadar bank-stress score is a composite, not a single ratio: it weighs Farmers State Bank's capital adequacy, asset quality, earnings and — most heavily — its real-estate loan concentration, then scales the result by where the bank actually lends, so two banks with identical headline financials can score differently based on the markets they finance. The combination of a severe reading and a compact footprint is what makes Farmers State Bank worth watching as a supply signal. Its footprint is compact and single-state: 53 ZIP codes in 4 counties over 1 states. The deepest footprints are Montana (4 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Farmers State Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. It is an early-warning read, flagging distress before it reaches the MLS.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.