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Farmers State Bank
Victor, MT · FDIC Certificate #342 · Chartered 01/0
Total assets
$790.33M
Total deposits
$664.25M
Total equity
$53.73M
Net loans
$518.56M
Branches (offices)
10
Net income (YTD)
$3.82M
Rank: #1,267 of 4,213 U.S. banks by assets · #9 of 35 in Montana. Assets changed 10.2% and deposits 4.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 14.22% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 6.80% |
| Tier 1 leverage ratio | 8.84% |
| Uninsured deposits (share of deposits) | 12.7% |
| Noncurrent loans (share of loans) | 0.68% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 78.1% |
| Real estate loans (share of loans) | 90.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $468.33M | 90.3% | |
| Commercial & industrial | $27.57M | 5.3% | |
| Consumer / individual | $14.04M | 2.7% | |
| Construction & development | $65.00M | 12.5% | |
| Agricultural | $2.42M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $645.54M | $604.62M | $3.02M | $34.78M |
| Jun 2023 | $708.36M | $601.65M | $2.17M | $34.01M |
| Jun 2024 | $721.15M | $606.27M | $931.00K | $37.39M |
| Jun 2025 | $717.35M | $633.82M | $3.28M | $45.70M |
| Jun 2026 | $790.33M | $664.25M | $3.82M | $53.73M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Montana | $664.25M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $664.25M.
Similar-sized banks
Sauk Valley Bank & Trust Company ($790.75M) · Citizens Trust Bank ($790.29M)
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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