B
Farmers State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers State Bank
Northwood, IA
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Rating B
Asset Quality Index 6.30
Capitalization Index 10.00
Liquidity Index 2.60
Profitability Index 3.40
Stability Index 5.20
Company Info Farmers State Bank
Northwood, IA
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FDIC Number 5797
Phone Number (641) 424-3053
Website www.fsbbanks.com/
Asset Quality Farmers State Bank
Northwood, IA
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1-Year Asset Growth 0.83%
5-Year Asset Growth 0.68%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.22%
Non-Performing Assets to Assets 1.05%
Non-Performing Loans to Capital 7.95%
Non-Performing Loans to Loans 1.45%
Balance Sheet Farmers State Bank
Northwood, IA
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Total Assets 220.68M
Total Deposits 182.53M
Capital and Reserves Farmers State Bank
Northwood, IA
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Capital 21.23M
Leverage Ratio 12.43
Loan Loss Reserves to Loans 1.17%
Risk-Based Capital Ratio --
Liquidity Farmers State Bank
Northwood, IA
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Hot Money Ratio 24.15%
Liquidity Ratio 26.87%
Profitability Farmers State Bank
Northwood, IA
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5-Year Return on Average Assets 0.79%
Net Income 1.22M
Net Interest Spread 3.44%
Operating Profit to Average Assets 0.70%
Overhead Efficiency Ratio 67.62%
Return on Assets 0.55%
Return on Equity 5.98%