Total Assets
$78M
Total balance-sheet footings
FDIC Cert #1929 · Trimont, Minnesota · Est. 1912
Farmers State Bank of Trimont - FDIC Bank Health Profile
A community-scale look at Farmers State Bank of Trimont's own numbers, pulled straight from its quarterly FDIC Call Report.
- $78M
- Total assets
- A
- Health grade · Excellent
- 1.01%
- Return on assets
- 23.1%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers State Bank of Trimont earns a PlainBankData health grade of A (84/100), with well-capitalized at 23.15% Tier 1, profitable at 1.01% ROA, 61% efficiency ratio.
- #3,924
- largest of 4,313 FDIC banks by assets
- 9th
- percentile by asset size, nationally
- 23.15%
- Tier 1 ratio - above the 10% well-capitalized line
- 43rd
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Farmers State Bank of Trimont's 84/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers State Bank of Trimont's composite health score
Tier 1 Capital Ratio (23.15%) 40/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (9.37%) 16/20
Efficiency Ratio (60.60%) 8/15
84 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$62M
Customer-funded liabilities
Net Loans
$48M
Outstanding loan book
Net Income
$767K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers State Bank of Trimont ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers State Bank of Trimont's score of 84/100 falls in the highlighted band.
Farmers State Bank of Trimont'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 Trimont's $78M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
23.15% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
23.15%
Texas Ratio
9.37%
Equity Capital
$11M
Profitability metrics
Return on Assets (ROA)
43rd percentile nationally
1.01%
Return on Equity (ROE)
7.14%
Efficiency Ratio
60.60%
What the numbers say about Farmers State Bank of Trimont
Farmers State Bank of Trimont is an FDIC-insured institution (Certificate #1929) headquartered in Trimont, Minnesota, established in 1912. It holds $78M in total assets - 3,924th of 4,313 FDIC-insured banks, $62M in customer deposits, and $48M in net loans. On safety, its Tier 1 capital ratio of 23.15% is above the 10% well-capitalized threshold, and its Texas Ratio of 9.37% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (84/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, Farmers State Bank of Trimont ranks 192nd of 227 banks based in Minnesota -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$4M
Interest Income
$276K
Non-Interest Income
$2M
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 Trimont reports a Texas Ratio of 9.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
9.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers State Bank of Trimont (FDIC Cert #1929) - 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.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Farmers State Bank of Trimont's health grade?▼
Farmers State Bank of Trimont receives a health grade of A (84/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers State Bank of Trimont?▼
Farmers State Bank of Trimont holds $78M in total assets and $62M in deposits, ranking 3,924th of 4,313 FDIC-insured banks by asset size. It is headquartered in Trimont, Minnesota.
Is my money safe at Farmers State Bank of Trimont?▼
Yes, deposits at Farmers State Bank of Trimont (Certificate #1929) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers State Bank of Trimont's Tier 1 Capital Ratio?▼
Farmers State Bank of Trimont has a Tier 1 Capital Ratio of 23.15%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Farmers State Bank of Trimont?▼
Farmers State Bank of Trimont has a Texas Ratio of 9.37%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers State Bank of Trimont?▼
Farmers State Bank of Trimont has an Efficiency Ratio of 60.60%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers State Bank of Trimont's profile as a depositor or analyst.
- Farmers State Bank of Trimont's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers State Bank of Trimont against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.