Farmers State Bank


100 South 3rd Street
Humphrey, NE 68642
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.95% →
1-Year CD N.A. 1.01% →
2-Year CD N.A. 0.95% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Farmers State Bank is an FDIC insured institution located in Humphrey, NE. It was founded in 1915 and has approximately $0.03 billion in assets.

FDIC Insured Yes
FDIC Certificate # 13796
Date Established 1915
Assets $ 34.59 million
Loans $ 11.92 million
Deposits $ 32.27 million
Capital $ 2.31 million

For a more detailed analysis of Farmers State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

Loan Rates - October 22, 2020

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Farmers State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.566% 2.500% 0.88 $2,172 $988 Learn More
NMLS ID: 2890
License#: 13256
2.570% 2.500% 0.88 $2,312 $988 Learn More
Rocket Mortgage
NMLS ID: 3030
3.620% 3.500% 1.00 $3,750 $1,123 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
People's United Bank, N.A.
People's United Bank, N.A.
See Table
4.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.240 %
$0 Learn More
More Info

Note to Farmers State Bank
To upload and update your bank's rates please register. It is free to register and add rates.


Farmers State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Farmers State Bank Locations

Financial Details

Farmers State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Farmers State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Farmers State Bank U.S. Bank Average
0% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Farmers State Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $2,313,000 in equity and $208,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Farmers State Bank U.S. Bank Average
16.01% 7.80%

Farmers State Bank has a Return on Equity of 16.01% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Farmers State Bank U.S. Bank Average
6.69% 12.68%

Farmers State Bank has a Capitalization of 6.69% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Farmers State Bank Balance Sheet Analysis

As of June 30, 2016, Farmers State Bank had assets of $34,593,000, loans of $11,916,000, and deposits of $32,267,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 11.92 million
Loan loss allowance $ 0.21 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 32.27 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 34.59 million

Summary Income Statement

March 31, 2020
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Farmers State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and Commercial Real Estate.

Compared to other banks in Nebraska, Farmers State Bank has a significantly higher percent of Small Business Loans, Farm Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 0.18
Credit Card Loans 0.00
Consumer Auto Loans 3.75
Small Business Loans 4.85
Construction and Development Loans 0.00
Commercial Real Estate 4.85
Commercial and Industrial Loans 5.76
Farm Loans 57.70

Frequently Asked Questions About Farmers State Bank

Branches and Savings

Is Farmers State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #13796.

Why does Farmers State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Farmers State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Farmers State Bank a commercial bank?


Where are Farmers State Bank locations?

See branch locations nearby.

Is Farmers State Bank open on Saturdays?

Is Farmers State Bank open on Sundays?

What time does Farmers State Bank open?

What time does Farmers State Bank close?

Are Farmers State Bank ATMs Open 24/7?

Do Farmers State Bank ATMs accept cash deposits?

Can Farmers State Bank customers use other ATMs?

Do Farmers State Bank branches have notaries?

Will Farmers State Bank notarize my document?

What address for Farmers State Bank should I put for incoming ACH transfers?

Will the Farmers State Bank branch print checks?

Do Farmers State Bank checks expire?

Does Farmers State Bank require US citizenship to open account?

Can Farmers State Bank close my account?

Does Farmers State Bank Report to credit bureaus?

Does Farmers State Bank Use Equifax?

What is Farmers State Bank's ACH Routing Number?

What is Farmers State Bank's SWIFT code?


Does Farmers State Bank offer mortgages?

Compare mortgage rates here.

Does Farmers State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Farmers State Bank offer personal loans?

Compare personal loan rates here.

Does Farmers State Bank offer student loans?

Will Farmers State Bank cash a check?

Will Farmers State Bank redeem a savings bond?

Does Farmers State Bank cash savings bonds?

Will Farmers State Bank cash money orders?

Can Farmers State Bank issue a money order?

Does Farmers State Bank do currency exchange?

Background on The Bank

Who owns Farmers State Bank?

How long has Farmers State Bank been around?

Can Farmers State Bank transfer to other banks?

Does Farmers State Bank have quick pay?

Does Farmers State Bank accept rolled coins?

Will Farmers State Bank accept loose change?

Where is Farmers State Bank headquarters?

Customer Reviews for Farmers State Bank

There are currently no comments for Farmers State Bank. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →