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Farmers State Bank
Winthrop, WA · FDIC Certificate #6156 · Chartered 01/0
Total assets
$47.35M
Total deposits
$41.36M
Total equity
$5.96M
Net loans
$3.29M
Branches (offices)
1
Net income (YTD)
$293.00K
Rank: #4,053 of 4,213 U.S. banks by assets · #27 of 28 in Washington. Assets changed -3.6% and deposits -5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.19% |
| Return on equity | 10.08% |
| Net interest margin (YTD) | 3.40% |
| Equity to assets | 12.60% |
| Tier 1 leverage ratio | 12.38% |
| Uninsured deposits (share of deposits) | 11.4% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.28% |
| Loans to deposits | 8.0% |
| Real estate loans (share of loans) | 52.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.72M | 52.2% | |
| Commercial & industrial | $948.00K | 28.8% | |
| Consumer / individual | $460.00K | 14.0% | |
| Construction & development | $67.00K | 2.0% | |
| Agricultural | $375.00K | 11.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $64.26M | $59.70M | $34.00K | $4.54M |
| Jun 2023 | $56.62M | $51.75M | $127.00K | $4.79M |
| Jun 2024 | $53.63M | $47.59M | $149.00K | $4.96M |
| Jun 2025 | $49.14M | $43.68M | $264.00K | $5.39M |
| Jun 2026 | $47.35M | $41.36M | $293.00K | $5.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Washington | $41.36M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $41.36M.
Similar-sized banks
Farmers And Merchants State Bank Of Alpha ($47.39M) · The First National Bank Of Mcintosh ($47.02M)
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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