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Farmers State Bank

Mountain City, TN
IDRSSD: 105530
Total Assets
$233.51M
Latest filing
Total Deposits
$208.93M
Latest filing
Net Interest Margin
3.96%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/15/1934
Community BankYes
Ownership TypeNot Mutual
ZIP37683
State and County Number47091
Subchapter S CorporationsNo
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number06
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameN/A

Operational Info

Number of Employees47
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/27/1934
Primary Insurance AgencyDIF
Websitewww.fsbankmctn.com
Data Updated11/14/2025
CERT13775
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$233.51M
Total Deposits$208.93M
Total Liabilities$211.69M
Total Equity Capital$21.82M
Net Income$455.00k
Net Loans and Leases$131.88M
Assets Per Employee ($Millions)$4.77M
Bank Premises and Fixed Assets$3.08M
Cash and Balances due from Depository Institutions$17.58M
Deposits Held in Domestic Offices$208.93M

Key Performance Ratios

Return on Assets (ROA)0.81%
Return on Equity (ROE)8.67%
Net Interest Margin3.96%
Efficiency Ratio67.47%
Tier 1 Risk-Based Capital Ratio18.338%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.32%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.345%
Earning Assets to total Assets91.82%

Income and Expense

Total Interest Income$2.75M
Total Noninterest Income$287.00k
Total Interest Expense$707.00k
Total Noninterest Expense$1.57M
Net Interest Income$2.05M
Pre-tax Net Operating Income$579.00k
Provision for Credit Losses$180.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$2.76M
Total Liabilities and Capital$233.51M

Securities

Securities$70.67M
Available-for-sale debt securities$70.67M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Farmers State Bank?
$233.51M as of the latest filing.
How much are Farmers State Bank's total deposits?
$208.93M in total deposits.
Where is Farmers State Bank located?
Mountain City, TN.
What is the Net Interest Margin?
3.96%.
How many domestic offices does it operate?
3.
When was it established?
01/15/1934.
What is the Return on Assets (ROA)?
0.81%.
How much are total loans and leases?
$131.88M (latest filing).
What is the total interest income (latest filing)?
$2.75M.