Total Assets
$171M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$155M
Customer-funded liabilities
Net Loans
$78M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
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.'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 metrics
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
Profitability metrics
Return on Assets (ROA)
91st percentile nationally
2.01%
Return on Equity (ROE)
24.97%
Efficiency Ratio
56.90%
What the numbers say about Farmers State Bank & Trust Co.
Farmers State Bank & Trust Co. is an FDIC-insured institution (Certificate #16114) headquartered in Church Point, Louisiana, established in 1944. It holds $171M in total assets - 3,208th of 4,313 FDIC-insured banks, $155M in customer deposits, and $78M in net loans. On safety, its Tier 1 capital ratio of 9.96% is below the 10% well-capitalized threshold, and its Texas Ratio of 2.16% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (75/100), 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 Louisiana, Farmers State Bank & Trust Co. ranks 83rd of 106 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in Louisiana by total assets
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.
Other banks in Louisiana
All Louisiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Farmers State Bank & Trust Co.'s health grade?▼
Farmers State Bank & Trust Co. receives a health grade of B (75/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Farmers State Bank & Trust Co.?▼
Farmers State Bank & Trust Co. holds $171M in total assets and $155M in deposits, ranking 3,208th of 4,313 FDIC-insured banks by asset size. It is headquartered in Church Point, Louisiana.
Is my money safe at Farmers State Bank & Trust Co.?▼
Yes, deposits at Farmers State Bank & Trust Co. (Certificate #16114) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers State Bank & Trust Co.'s Tier 1 Capital Ratio?▼
Farmers State Bank & Trust Co. has a Tier 1 Capital Ratio of 9.96%. 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 & Trust Co.?▼
Farmers State Bank & Trust Co. has a Texas Ratio of 2.16%. 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 & Trust Co.?▼
Farmers State Bank & Trust Co. has an Efficiency Ratio of 56.90%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers State Bank & Trust Co.'s profile as a depositor or analyst.
- Farmers State Bank & Trust Co.'s grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers State Bank & Trust Co. against other Louisiana banks before moving funds. Louisiana 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.