Farmers State Bank
Mountain City, TN
IDRSSD: 105530
Total Assets
$229.41M
Latest filing
Total Deposits
$197.58M
Latest filing
Net Interest Margin
4.01%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
064202844MOUNTAIN CITY, TN
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers State Bank
100 W Main St
Mountain City, TN 37683
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/15/1934FDIC Certificate 8613
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers State Bank (Main) | 100 W Main St | Mountain City, TN |
| 421 BRANCH | 889 S Shady St | Mountain City, TN |
| BUTLER BRANCH | 130 Main St | Butler, TN |
Showing 2 of 2
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 Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/15/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 37683 |
| State and County Number | 47091 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 49 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/27/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbankmctn.com |
| Data Updated | 01/30/2026 |
| CERT | 13775 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $229.41M |
| Total Deposits | $197.58M |
| Total Liabilities | $206.42M |
| Total Equity Capital | $22.99M |
| Net Income | $595.00k |
| Net Loans and Leases | $135.79M |
| Assets Per Employee ($Millions) | $4.68M |
| Bank Premises and Fixed Assets | $3.13M |
| Cash and Balances due from Depository Institutions | $5.06M |
| Deposits Held in Domestic Offices | $197.58M |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 10.62% |
| Net Interest Margin | 4.01% |
| Efficiency Ratio | 64.91% |
| Tier 1 Risk-Based Capital Ratio | 18.633% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.022% |
| Earning Assets to total Assets | 92.21% |
Income and Expense
| Total Interest Income | $2.88M |
| Total Noninterest Income | $298.00k |
| Total Interest Expense | $750.00k |
| Total Noninterest Expense | $1.58M |
| Net Interest Income | $2.13M |
| Pre-tax Net Operating Income | $767.00k |
| Provision for Credit Losses | $86.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $6.38M |
| All Other Liabilities | $2.46M |
| Total Liabilities and Capital | $229.41M |
Securities
| Securities | $75.22M |
| Available-for-sale debt securities | $75.22M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$229.41M as of the latest filing.
How much are Farmers State Bank's total deposits?
$197.58M in total deposits.
Where is Farmers State Bank located?
Mountain City, TN.
What is the Net Interest Margin?
4.01%.
How many domestic offices does it operate?
3.
When was it established?
01/15/1934.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$135.79M (latest filing).
What is the total interest income (latest filing)?
$2.88M.