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Farmers State Bank
Parkston, SD · FDIC Certificate #1686 · Chartered 07/1
Total assets
$254.77M
Total deposits
$237.41M
Total equity
$16.70M
Net loans
$139.10M
Branches (offices)
3
Net income (YTD)
$1.14M
Rank: #2,689 of 4,213 U.S. banks by assets · #31 of 56 in South Dakota. Assets changed 3.4% and deposits 2.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 13.96% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 6.55% |
| Tier 1 leverage ratio | 9.99% |
| Uninsured deposits (share of deposits) | 13.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 58.6% |
| Real estate loans (share of loans) | 55.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $77.36M | 55.6% | |
| Commercial & industrial | $14.87M | 10.7% | |
| Consumer / individual | $8.23M | 5.9% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $40.20M | 28.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $249.57M | $236.38M | $902.00K | $12.64M |
| Jun 2023 | $253.09M | $242.71M | $720.00K | $9.51M |
| Jun 2024 | $238.14M | $226.49M | $740.00K | $10.76M |
| Jun 2025 | $246.38M | $231.71M | $783.00K | $14.12M |
| Jun 2026 | $254.77M | $237.41M | $1.14M | $16.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Dakota | $237.41M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $237.41M.
Similar-sized banks
Hometown Bank ($254.88M) · Mountain Valley Bank ($254.61M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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