Total Assets
$251M
Total balance-sheet footings
FDIC Cert #1686 · Parkston, South Dakota · Est. 1919
Farmers State Bank - FDIC Bank Health Profile
A community-scale look at Farmers State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $251M
- Total assets
- C
- Health grade · Fair
- 0.72%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers State Bank earns a PlainBankData health grade of C (56/100), with 9.75% Tier 1 capital, 0.72% ROA, 70% efficiency ratio.
- #2,732
- largest of 4,313 FDIC banks by assets
- 37th
- percentile by asset size, nationally
- 9.75%
- Tier 1 ratio - below the 10% well-capitalized line
- 26th
- 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's 56/100 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's composite health score
Tier 1 Capital Ratio (9.75%) 18/40
Return on Assets (ROA) (0.72%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (70.16%) 4/15
56 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$233M
Customer-funded liabilities
Net Loans
$139M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers State Bank's score of 56/100 falls in the highlighted band.
Farmers State Bank'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's $251M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.75% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.75%
Texas Ratio
0.00%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
26th percentile nationally
0.72%
Return on Equity (ROE)
12.88%
Efficiency Ratio
70.16%
What the numbers say about Farmers State Bank
Farmers State Bank is an FDIC-insured institution (Certificate #1686) headquartered in Parkston, South Dakota, established in 1919. It holds $251M in total assets - 2,732nd of 4,313 FDIC-insured banks, $233M in customer deposits, and $139M in net loans. On safety, its Tier 1 capital ratio of 9.75% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.00% sits in the healthy range below 50%. It earns a PlainBankData health grade of C (56/100), 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.
Within South Dakota, Farmers State Bank ranks 31st of 56 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$624K
Non-Interest Income
$6M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers State Bank 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.
Top banks in South Dakota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers State Bank (FDIC Cert #1686) - 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 South Dakota
All South Dakota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Citibank, National AssociationSioux Falls | $1.84T | A | 0.85% |
| Wells Fargo Bank, National AssociationSioux Falls | $1.82T | A | 1.41% |
| The Bancorp Bank, National AssociationSioux Falls | $9.3B | A | 2.81% |
| Pathward, National AssociationSioux Falls | $7.6B | A | 2.65% |
| Dacotah BankAberdeen | $4.8B | B | 1.01% |
| First Bank & TrustBrookings | $4.7B | B | 1.02% |
| First PREMIER BankSioux Falls | $4.2B | A | 1.67% |
| First Dakota National BankYankton | $3.2B | A | 1.38% |
Frequently asked questions
What is Farmers State Bank's health grade?▼
Farmers State Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Farmers State Bank?▼
Farmers State Bank holds $251M in total assets and $233M in deposits, ranking 2,732nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Parkston, South Dakota.
Is my money safe at Farmers State Bank?▼
Yes, deposits at Farmers State Bank (Certificate #1686) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers State Bank's Tier 1 Capital Ratio?▼
Farmers State Bank has a Tier 1 Capital Ratio of 9.75%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Farmers State Bank?▼
Farmers State Bank has a Texas Ratio of 0.00%. 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?▼
Farmers State Bank has an Efficiency Ratio of 70.16%. 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's profile as a depositor or analyst.
- Farmers State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers State Bank against other South Dakota banks before moving funds. South Dakota 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.