B
Farmers State Bank
CenterTX
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers State Bank
Center, TX
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 8.20
Stability Index 6.30
Company Info Farmers State Bank
Center, TX
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FDIC Number 13407
Phone Number (936) 598-3311
Website www.fsbctx.bank
Asset Quality Farmers State Bank
Center, TX
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1-Year Asset Growth 4.93%
5-Year Asset Growth 1.80%
5-Year Charge-Offs to Average Loans 0.33%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.41%
Non-Performing Loans to Capital 1.21%
Non-Performing Loans to Loans 0.06%
Balance Sheet Farmers State Bank
Center, TX
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Total Assets 369.05M
Total Deposits 311.65M
Capital and Reserves Farmers State Bank
Center, TX
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Capital 54.12M
Leverage Ratio 15.09
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio 25.00
Liquidity Farmers State Bank
Center, TX
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Hot Money Ratio 21.66%
Liquidity Ratio 31.12%
Profitability Farmers State Bank
Center, TX
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5-Year Return on Average Assets 1.17%
Net Income 5.09M
Net Interest Spread 4.95%
Operating Profit to Average Assets 1.85%
Overhead Efficiency Ratio 63.76%
Return on Assets 1.85%
Return on Equity 13.14%