Farmers State Bank (FDIC #879): Bank Stress & Real-Estate Credit Exposure

Farmers State Bank (FDIC Cert #879): bank stress 27/100, contained, STABLE over 7 days; parent LINCOLN BANCSHARES INC.

Farmers State Bank (#879) lends in 3 counties across 1 state; Farmers State Bank (#879) reaches 9 ZIP codes: Georgia 3 counties, 9 ZIPs.

Farmers State Bank (#879) largest markets: Wilkes County, GA (5 branches, 5 ZIPs) (#879), Mcduffie County, GA (4 branches, 4 ZIPs) (#879), Lincoln County, GA (2 branches, 2 ZIPs) (#879).

Farmers State Bank (#879) reports $186.2 million in total assets; Farmers State Bank (#879) equity $25.0 million (13.4% of Farmers State Bank (#879) assets); Farmers State Bank (#879) domestic deposits $160.3 million; Farmers State Bank (#879) net income $2.5 million; Farmers State Bank (#879) return on assets 2.67%; Farmers State Bank (#879) return on equity 20.07%; Farmers State Bank (#879) net interest income $4.8 million; Farmers State Bank (#879) call report June 30, 2026.

Farmers State Bank (#879) noncurrent real-estate loans: none reported; Farmers State Bank (#879) net charge-offs on real estate 0.21%.

Farmers State Bank (#879) net interest margin 5.39% against an eight-quarter Farmers State Bank (#879) average of 5.53% (Farmers State Bank (#879) compression 0.14 points); Farmers State Bank (#879) rate-exposure score 40/100, Farmers State Bank (#879) fixed-rate trap 40/100; Farmers State Bank (#879) risk type rate trapped; Farmers State Bank (#879) rate regime rates elevated, Farmers State Bank (#879) snapshot October 20, 2026.

Farmers State Bank (#879) stress score moved from 28.4 on June 22, 2026 to 27.3 on October 20, 2026; Farmers State Bank (#879) ranged 27.3 to 28.4 over 117 snapshots.

Farmers State Bank (#879) alerts: 3 counties; top Farmers State Bank (#879) alert scores: Washington County, GA 27 (low); Lincolnton County, GA 13 (low); Thomson County, GA 13 (low).