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
Groesbeck, TX
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Rating B
Asset Quality Index 8.50
Capitalization Index 7.60
Liquidity Index 3.30
Profitability Index 7.10
Stability Index 5.80
Company Info Farmers State Bank
Groesbeck, TX
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FDIC Number 15367
Phone Number (254) 729-3272
Website www.farmersstatebanktexas.com
Asset Quality Farmers State Bank
Groesbeck, TX
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1-Year Asset Growth 6.04%
5-Year Asset Growth 7.15%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.54%
Non-Performing Loans to Capital 0.22%
Non-Performing Loans to Loans 0.97%
Balance Sheet Farmers State Bank
Groesbeck, TX
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Total Assets 189.11M
Total Deposits 170.03M
Capital and Reserves Farmers State Bank
Groesbeck, TX
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Capital 17.07M
Leverage Ratio 9.42
Loan Loss Reserves to Loans 0.97%
Risk-Based Capital Ratio --
Liquidity Farmers State Bank
Groesbeck, TX
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Hot Money Ratio 13.26%
Liquidity Ratio 24.92%
Profitability Farmers State Bank
Groesbeck, TX
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5-Year Return on Average Assets 1.28%
Net Income 2.32M
Net Interest Spread 4.90%
Operating Profit to Average Assets 1.71%
Overhead Efficiency Ratio 67.23%
Return on Assets 1.71%
Return on Equity 19.40%