B
Farmers State Bank
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
Lagrange, IN
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Rating B
Asset Quality Index 8.70
Capitalization Index 8.90
Liquidity Index 2.60
Profitability Index 7.20
Stability Index 5.70
Company Info Farmers State Bank
Lagrange, IN
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FDIC Number 14578
Phone Number (260) 463-7111
Website www.farmersstatebank.com
Asset Quality Farmers State Bank
Lagrange, IN
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1-Year Asset Growth 6.03%
5-Year Asset Growth 9.42%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 0.49%
Non-Performing Loans to Loans 0.47%
Balance Sheet Farmers State Bank
Lagrange, IN
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Total Assets 1.27B
Total Deposits 1.12B
Capital and Reserves Farmers State Bank
Lagrange, IN
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Capital 122.65M
Leverage Ratio 10.29
Loan Loss Reserves to Loans 0.90%
Risk-Based Capital Ratio 18.48
Liquidity Farmers State Bank
Lagrange, IN
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Hot Money Ratio 8.74%
Liquidity Ratio 8.61%
Profitability Farmers State Bank
Lagrange, IN
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5-Year Return on Average Assets 1.36%
Net Income 15.18M
Net Interest Spread 3.59%
Operating Profit to Average Assets 1.91%
Overhead Efficiency Ratio 50.47%
Return on Assets 1.58%
Return on Equity 17.64%