B
Farmers State Bank
Center,  TX
Rating Date
August 2026
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 8.10
Capitalization Index 10.00
Liquidity Index 3.30
Profitability Index 8.60
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 7.41%
5-Year Asset Growth 1.52%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans -0.09%
Non-Performing Assets to Assets 0.27%
Non-Performing Loans to Capital 2.31%
Non-Performing Loans to Loans 0.04%
Balance Sheet Farmers State Bank
Center, TX
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Total Assets 391.48M
Total Deposits 335.04M
Capital and Reserves Farmers State Bank
Center, TX
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Capital 53.89M
Leverage Ratio 14.41
Loan Loss Reserves to Loans 1.42%
Risk-Based Capital Ratio 21.38
Liquidity Farmers State Bank
Center, TX
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Hot Money Ratio 21.92%
Liquidity Ratio 33.96%
Profitability Farmers State Bank
Center, TX
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5-Year Return on Average Assets 1.51%
Net Income 4.05M
Net Interest Spread 4.89%
Operating Profit to Average Assets 2.10%
Overhead Efficiency Ratio 57.52%
Return on Assets 2.10%
Return on Equity 14.99%