FDIC Cert #8214 · Hamel, Minnesota · Est. 1919

Farmers State Bank of Hamel - FDIC Bank Health Profile

A community-scale look at Farmers State Bank of Hamel's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$200M
Total assets
A
Health grade · Excellent
0.77%
Return on assets
22.6%
Tier 1 capital

Data updated July 2026

The verdict

Farmers State Bank of Hamel earns a PlainBankData health grade of A (82/100), with well-capitalized at 22.60% Tier 1, 0.77% ROA, 63% efficiency ratio.

#3,003
largest of 4,313 FDIC banks by assets
30th
percentile by asset size, nationally
22.60%
Tier 1 ratio - above the 10% well-capitalized line
28th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 8214 · MN A · 82/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (82/100)
  • MID-PACK #1798/4307
  • PHOTO-FINISH Planters Bank & Trus… · MS
  • TIER1-WELL 22.6% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-PAR 0.77% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: Planters Bank & Trust Company, MS (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers State Bank of Hamel

Lowest and highest poles plus nearest scored peers outside Minnesota, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Anguilla · MS · near82/100Bank of Gueydan · LA · near82/100Farmers State Bank o… · MN ·…82/100Planters Bank & Trus… · MS ·…82/100Savings Bank of Mend… · CA ·…82/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers State Bank of Hamel · July 2026

Call Report read for Farmers State Bank of Hamel in a high-failure state

Farmers State Bank of Hamel (FDIC Cert #8214) carries a PlainBankData health grade of A at 82/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,798 of 4,307. Tier 1 capital prints at 22.60%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.77%. Balance-sheet scale is $200M, 3,003rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Planters Bank & Trust Company (MS), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers State Bank of Hamel

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Farmers State Bank of Hamel sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Farmers State Bank of Hamel's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Minnesota banks.

How Farmers State Bank of Hamel's 82/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10082/100
Farmers State Bank of Hamel's composite health score
Tier 1 Capital Ratio (22.60%) 40/40
Return on Assets (ROA) (0.77%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (63.26%) 8/15

82 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$200M

Total balance-sheet footings

Total Deposits

$179M

Customer-funded liabilities

Net Loans

$67M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 21.2% 22.6% 24%
Basel III capital ratios - Farmers State Bank of Hamel

Where Farmers State Bank of Hamel ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers State Bank of Hamel's score of 82/100 falls in the highlighted band.

Farmers State Bank of Hamel: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

82 Top 42% higher than 58% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers State Bank of Hamel 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Farmers State Bank of Hamel's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers State Bank of Hamel's $200M falls in the highlighted band.

Capital & credit buffers at Farmers State Bank of Hamel

Tier 1 capital ratio
Well-capitalized 10%

22.60% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
22.60%
Texas Ratio
0.00%
Equity Capital
$13M

What these ratios mean →

Profitability metrics: Farmers State Bank of Hamel

Return on Assets (ROA)
28th percentile nationally
0.77%
Return on Equity (ROE)
15.79%
Efficiency Ratio
63.26%

What these mean →

Income & expense at Farmers State Bank of Hamel

$8M
Interest Income
$367K
Non-Interest Income
$3M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers State Bank of Hamel reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Farmers State Bank of Hamel on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

Top 5 banks in Minnesota ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($200M here), outside Minnesota so the neighborhood is not state containment.

Simmesport State Bank $200M · LA Iowa Trust and Savings Bank $200M · IA Massena Savings and Loan $200M · NY Chelsea Savings Bank $200M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers State Bank of Hamel (FDIC Cert #8214) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Farmers State Bank of Hamel Call Report profile · FDIC Failed Bank List · Minnesota FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
Ameriprise Bank, FSBMinneapolis $25.3B A 3.08%
Bridgewater BankSaint Louis Park $5.4B A 0.99%
Frandsen Bank & TrustLonsdale $3.7B A 1.48%
Stearns Bank National AssociationSaint Cloud $3.3B A 1.85%
Minnwest BankRedwood Falls $3.0B B 0.92%
Merchants Bank, National AssociationWinona $2.9B A 1.23%
Tradition Capital BankWayzata $2.6B B 0.71%
Think Mutual BankRochester $2.2B B 0.61%