Farmers State Bank
Northwood, IA
IDRSSD: 537243
Total Assets
$220.68M
Latest filing
Total Deposits
$182.53M
Latest filing
Net Interest Margin
3.69%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers State Bank
99 7th St N
Northwood, IA 50459
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/15/1921FDIC Certificate 3958
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers State Bank (Main) | 99 7th St N | Northwood, IA |
| GRAFTON BRANCH | 302 4th Ave | Grafton, IA |
| MASON CITY OFFICE BRANCH | 517 S Federal Ave | Mason City, IA |
| MASON CITY WEST BRANCH | 2501 4th St Sw | Mason City, IA |
| VENTURA BRANCH | 5 W Ventura St | Ventura, IA |
| JOICE BRANCH | 202 Main St | Joice, IA |
| ST ANSGAR BRANCH | 345 W 4th St | Saint Ansgar, IA |
| CLEAR LAKE BRANCH | 210 1st Ave N | Clear Lake, IA |
Showing 7 of 7
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 | 11/15/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50459 |
| State and County Number | 19195 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Mason City, IA |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fsbbanks.com |
| Data Updated | 01/30/2026 |
| CERT | 5797 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $220.68M |
| Total Deposits | $182.53M |
| Total Liabilities | $199.46M |
| Total Equity Capital | $21.23M |
| Net Income | $210.00k |
| Net Loans and Leases | $157.68M |
| Assets Per Employee ($Millions) | $6.49M |
| Bank Premises and Fixed Assets | $1.82M |
| Cash and Balances due from Depository Institutions | $6.55M |
| Deposits Held in Domestic Offices | $182.53M |
Key Performance Ratios
| Return on Assets (ROA) | 0.38% |
| Return on Equity (ROE) | 3.97% |
| Net Interest Margin | 3.69% |
| Efficiency Ratio | 73.41% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.27% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.619% |
| Earning Assets to total Assets | 92.82% |
Income and Expense
| Total Interest Income | $2.89M |
| Total Noninterest Income | $159.00k |
| Total Interest Expense | $985.00k |
| Total Noninterest Expense | $1.51M |
| Net Interest Income | $1.90M |
| Pre-tax Net Operating Income | $401.00k |
| Provision for Credit Losses | $150.00k |
| 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 | $14.70M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.55M |
| All Other Liabilities | $675.00k |
| Total Liabilities and Capital | $220.68M |
Securities
| Securities | $47.04M |
| Available-for-sale debt securities | $47.04M |
| 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?
$220.68M as of the latest filing.
How much are Farmers State Bank's total deposits?
$182.53M in total deposits.
Where is Farmers State Bank located?
Northwood, IA.
What is the Net Interest Margin?
3.69%.
How many domestic offices does it operate?
8.
When was it established?
11/15/1921.
What is the Return on Assets (ROA)?
0.38%.
How much are total loans and leases?
$157.68M (latest filing).
What is the total interest income (latest filing)?
$2.89M.