Farmers State Bank (FDIC #5797): Bank Stress & Real-Estate Credit Exposure

Farmers State Bank (FDIC Cert #5797): bank stress 70/100, elevated, STABLE over 7 days; parent FARMERS STATE BANCSHARES INC.

Farmers State Bank (#5797) lends in 3 counties across 1 state; Farmers State Bank (#5797) reaches 32 ZIP codes: Iowa 3 counties, 32 ZIPs.

Farmers State Bank (#5797) largest markets: Cerro Gordo County, IA (68 branches, 17 ZIPs) (#5797), Mitchell County, IA (12 branches, 12 ZIPs) (#5797), Worth County, IA (30 branches, 10 ZIPs) (#5797).

Farmers State Bank (#5797) reports $221.4 million in total assets; Farmers State Bank (#5797) equity $21.9 million (9.9% of Farmers State Bank (#5797) assets); Farmers State Bank (#5797) domestic deposits $189.7 million; Farmers State Bank (#5797) net income $1.1 million; Farmers State Bank (#5797) return on assets 1.03%; Farmers State Bank (#5797) return on equity 10.58%; Farmers State Bank (#5797) net interest income $4.1 million; Farmers State Bank (#5797) call report June 30, 2026.

Farmers State Bank (#5797) noncurrent real-estate loans 0.01% of its book; Farmers State Bank (#5797) net charge-offs on real estate 0.47%.

Farmers State Bank (#5797) net interest margin 4.01% against an eight-quarter Farmers State Bank (#5797) average of 3.54% (Farmers State Bank (#5797) compression -0.47 points); Farmers State Bank (#5797) real-estate loans 1.1% of equity; Farmers State Bank (#5797) rate-exposure score 40/100, Farmers State Bank (#5797) fixed-rate trap 40/100; Farmers State Bank (#5797) risk type credit driven; Farmers State Bank (#5797) rate regime rates elevated, Farmers State Bank (#5797) snapshot October 19, 2026.

Farmers State Bank (#5797) stress score moved from 72.5 on June 22, 2026 to 70.4 on October 20, 2026; Farmers State Bank (#5797) ranged 70.4 to 72.5 over 117 snapshots.

Farmers State Bank (#5797) alerts: 3 counties; top Farmers State Bank (#5797) alert scores: Northwood County, IA 23 (low); Saint Ansgar County, IA 23 (low); Ventura County, IA 23 (low).