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Farmers State Bank

Center, TX
IDRSSD: 875057
Total Assets
$369.05M
Latest filing
Total Deposits
$311.65M
Latest filing
Net Interest Margin
4.98%
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 Date07/07/1910
Community BankYes
Ownership TypeNot Mutual
ZIP75935
State and County Number48419
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number11
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 Employees75
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.fsbctx.bank
Data Updated11/14/2025
CERT13407
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$369.05M
Total Deposits$311.65M
Total Liabilities$314.93M
Total Equity Capital$54.12M
Net Income$1.74M
Net Loans and Leases$216.75M
Assets Per Employee ($Millions)$5.06M
Bank Premises and Fixed Assets$2.98M
Cash and Balances due from Depository Institutions$33.20M
Deposits Held in Domestic Offices$311.65M

Key Performance Ratios

Return on Assets (ROA)1.9%
Return on Equity (ROE)13.09%
Net Interest Margin4.98%
Efficiency Ratio63.22%
Tier 1 Risk-Based Capital Ratio23.747%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets14.665%
Earning Assets to total Assets93.37%

Income and Expense

Total Interest Income$5.34M
Total Noninterest Income$480.00k
Total Interest Expense$1.09M
Total Noninterest Expense$2.99M
Net Interest Income$4.26M
Pre-tax Net Operating Income$1.74M
Provision for Credit Losses$0
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$1.37M
Other borrowed funds$0
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.27M
Total Liabilities and Capital$369.05M

Securities

Securities$100.53M
Available-for-sale debt securities$100.53M
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?
$369.05M as of the latest filing.
How much are Farmers State Bank's total deposits?
$311.65M in total deposits.
Where is Farmers State Bank located?
Center, TX.
What is the Net Interest Margin?
4.98%.
How many domestic offices does it operate?
8.
When was it established?
07/07/1910.
What is the Return on Assets (ROA)?
1.9%.
How much are total loans and leases?
$216.75M (latest filing).
What is the total interest income (latest filing)?
$5.34M.