Farmers State Bank (FDIC #342): Bank Stress & Real-Estate Credit Exposure
Farmers State Bank (FDIC Cert #342): bank stress 82/100, severe, STABLE over 7 days; parent FARMERS STATE FINANCIAL CORP.
Farmers State Bank (#342) lends in 4 counties across 1 state; Farmers State Bank (#342) reaches 53 ZIP codes: Montana 4 counties, 53 ZIPs.
Farmers State Bank (#342) largest markets: Missoula County, MT (51 branches, 17 ZIPs) (#342), Flathead County, MT (16 branches, 16 ZIPs) (#342), Lewis And Clark County, MT (12 branches, 12 ZIPs) (#342), Ravalli County, MT (45 branches, 9 ZIPs) (#342).
Farmers State Bank (#342) reports $790.3 million in total assets; Farmers State Bank (#342) equity $53.7 million (6.8% of Farmers State Bank (#342) assets); Farmers State Bank (#342) domestic deposits $664.3 million; Farmers State Bank (#342) net income $3.8 million; Farmers State Bank (#342) return on assets 0.98%; Farmers State Bank (#342) return on equity 14.22%; Farmers State Bank (#342) net interest income $15.2 million; Farmers State Bank (#342) call report June 30, 2026.
Farmers State Bank (#342) noncurrent real-estate loans: none reported; Farmers State Bank (#342) net charge-offs on real estate 0.66%; Farmers State Bank (#342) residential charge-offs 0.80%.
Farmers State Bank (#342) net interest margin 4.16% against an eight-quarter Farmers State Bank (#342) average of 3.77% (Farmers State Bank (#342) compression -0.38 points); Farmers State Bank (#342) non-residential real estate 79.7% of equity; Farmers State Bank (#342) rate-exposure score 40/100, Farmers State Bank (#342) fixed-rate trap 40/100; Farmers State Bank (#342) risk type credit driven; Farmers State Bank (#342) rate regime rates elevated, Farmers State Bank (#342) snapshot October 19, 2026.
Farmers State Bank (#342) stress score moved from 78.8 on June 22, 2026 to 81.7 on October 19, 2026; Farmers State Bank (#342) ranged 78.8 to 81.7 over 116 snapshots.
Farmers State Bank (#342) alerts: 4 counties; top Farmers State Bank (#342) alert scores: Missoula County, MT 44 (moderate); Helena County, MT 27 (low); Kalispell County, MT 27 (low); Victor County, MT 27 (low).