B
Farmers State Bank
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
Mountain City, TN
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Rating B
Asset Quality Index 8.00
Capitalization Index 10.00
Liquidity Index 2.40
Profitability Index 4.10
Stability Index 6.20
Company Info Farmers State Bank
Mountain City, TN
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FDIC Number 13775
Phone Number (423) 727-8121
Website www.fsbankmctn.com
Asset Quality Farmers State Bank
Mountain City, TN
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1-Year Asset Growth 6.47%
5-Year Asset Growth 7.20%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.55%
Non-Performing Loans to Capital 4.08%
Non-Performing Loans to Loans 0.87%
Balance Sheet Farmers State Bank
Mountain City, TN
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Total Assets 232.57M
Total Deposits 194.33M
Capital and Reserves Farmers State Bank
Mountain City, TN
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Capital 23.01M
Leverage Ratio 12.63
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 19.45
Liquidity Farmers State Bank
Mountain City, TN
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Hot Money Ratio 31.79%
Liquidity Ratio 23.54%
Profitability Farmers State Bank
Mountain City, TN
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5-Year Return on Average Assets 0.76%
Net Income 890.00K
Net Interest Spread 3.73%
Operating Profit to Average Assets 0.98%
Overhead Efficiency Ratio 74.31%
Return on Assets 0.77%
Return on Equity 7.85%