C
Farmers State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers State Bank
Waterloo, IA
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Rating C
Asset Quality Index 8.40
Capitalization Index 9.40
Liquidity Index 1.90
Profitability Index 4.20
Stability Index 7.70
Company Info Farmers State Bank
Waterloo, IA
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FDIC Number 12855
Phone Number (319) 287-3961
Website www.fsb1879.com/
Asset Quality Farmers State Bank
Waterloo, IA
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1-Year Asset Growth -0.77%
5-Year Asset Growth 4.24%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.34%
Non-Performing Loans to Loans 0.00%
Balance Sheet Farmers State Bank
Waterloo, IA
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Total Assets 1.63B
Total Deposits 1.24B
Capital and Reserves Farmers State Bank
Waterloo, IA
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Capital 163.13M
Leverage Ratio 10.62
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio 13.91
Liquidity Farmers State Bank
Waterloo, IA
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Hot Money Ratio 18.46%
Liquidity Ratio 11.05%
Profitability Farmers State Bank
Waterloo, IA
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5-Year Return on Average Assets 1.32%
Net Income 16.99M
Net Interest Spread 2.52%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 56.44%
Return on Assets 1.06%
Return on Equity 11.29%