FDIC Cert #16114 · Church Point, Louisiana · Est. 1944

Farmers State Bank & Trust Co. - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$171M
Total assets
B
Health grade · Good
2.01%
Return on assets
10.0%
Tier 1 capital

Data updated July 2026

The verdict

Farmers State Bank & Trust Co. earns a PlainBankData health grade of B (75/100), with 9.96% Tier 1 capital, profitable at 2.01% ROA, efficient (57% cost ratio).

#3,208
largest of 4,313 FDIC banks by assets
26th
percentile by asset size, nationally
9.96%
Tier 1 ratio - below the 10% well-capitalized line
91st
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 16114 · LA B · 75/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (75/100)
  • MID-PACK #2578/4307
  • PHOTO-FINISH State Bank · IA
  • TIER1-ADEQ 10.0% Tier 1
  • TEXAS-CLEAN 2.2% Texas
  • ROA-STRONG 2.01% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Louisiana: State Bank, IA (±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 & Trust Co.

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

Morgan Stanley Bank,… · UT ·…100/100ESB Financial · KS · near75/100Farmers State Bank &… · LA ·…75/100First American Bank · OK · n…75/100Southwest Bank · TX · near75/100State Bank · IA · near75/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers State Bank & Trust Co. · July 2026

What Farmers State Bank & Trust Co.'s Call Report plate shows

Farmers State Bank & Trust Co. (FDIC Cert #16114) carries a PlainBankData health grade of B at 75/100, 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 #2,578 of 4,307. Tier 1 capital prints at 9.96%, missing the 10% well-capitalized line. The Texas Ratio is 2.16%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.01%. Balance-sheet scale is $171M, 3,208th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is State Bank (IA), 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 & Trust Co.

4 FAILURE resolutions in Louisiana since 2000 (3 since 2008)

Farmers State Bank & Trust Co.'s home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Farmers State Bank & Trust Co. remains an active FDIC-insured reporter.

  • FIRST NBC BANK NEW ORLEANS, LA 2017 → WHITNEY BANK
  • CENTRAL PROGRESSIVE BANK LACOMBE, LA 2011 → FIRST NBC BANK
  • STATEWIDE BANK COVINGTON, LA 2010 → HOME BANK

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

How Farmers State Bank & Trust Co.'s 75/100 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 avg77/10075/100
Farmers State Bank & Trust Co.'s composite health score
Tier 1 Capital Ratio (9.96%) 18/40
Return on Assets (ROA) (2.01%) 25/25
Texas Ratio (2.16%) 20/20
Efficiency Ratio (56.90%) 12/15

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

Balance sheet at a glance

Total Assets

$171M

Total balance-sheet footings

Total Deposits

$155M

Customer-funded liabilities

Net Loans

$78M

Outstanding loan book

Net Income

$3M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.56% 9.96% 11.36%
Basel III capital ratios - Farmers State Bank & Trust Co.

Where Farmers State Bank & Trust Co. ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers State Bank & Trust Co.'s score of 75/100 falls in the highlighted band.

Farmers State Bank & Trust Co.: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

75 40th percentile higher than 40% 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%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers State Bank & Trust Co. 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 & Trust Co.'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 & Trust Co.'s $171M falls in the highlighted band.

Safety ratios for Farmers State Bank & Trust Co.

Tier 1 capital ratio
Well-capitalized 10%

9.96% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
9.96%
Texas Ratio
2.16%
Equity Capital
$15M

What these ratios mean →

Earnings posture at Farmers State Bank & Trust Co.

Return on Assets (ROA)
91st percentile nationally
2.01%
Return on Equity (ROE)
24.97%
Efficiency Ratio
56.90%

What these mean →

Income & expense at Farmers State Bank & Trust Co.

$9M
Interest Income
$948K
Non-Interest Income
$5M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers State Bank & Trust Co. reports a Texas Ratio of 2.16% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.16% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Farmers State Bank & Trust Co. on FDIC BankFind →

Top banks in Louisiana by total assets

Largest banks headquartered in Louisiana
  1. 1
    Origin Bank $9.6B

    Choudrant, LA · Grade B

  2. 2
    b1BANK $8.2B

    Baton Rouge, LA · Grade A

  3. 3
    First Guaranty Bank $4.1B

    Hammond, LA · Grade C

  4. 4
    Gulf Coast Bank and Trust Company $3.6B

    New Orleans, LA · Grade B

  5. 5
    Home Bank $3.5B

    Lafayette, LA · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($171M here), outside Louisiana so the neighborhood is not state containment.

Farmers State Bank of Western Illinois $171M · IL United Trust Bank $171M · IL State Bank of Southwest Missouri $171M · MO PBK BANK, INC. $171M · KY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers State Bank & Trust Co. (FDIC Cert #16114) - 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 & Trust Co. Call Report profile · FDIC Failed Bank List · Louisiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Louisiana

All Louisiana banks →
BankAssetsGradeROA
Origin BankChoudrant $9.6B B 0.76%
b1BANKBaton Rouge $8.2B A 1.23%
First Guaranty BankHammond $4.1B C -1.33%
Gulf Coast Bank and Trust CompanyNew Orleans $3.6B B 1.15%
Home Bank, National AssociationLafayette $3.5B A 1.41%
Red River BankAlexandria $3.3B A 1.36%
Investar Bank, National AssociationBaton Rouge $2.8B B 0.89%
Bonvenu Bank, National AssociationBossier City $1.6B B 0.54%