Farmers State Bank Stanberry

Headquarters

118 W 1st St
Stanberry, MO 64489
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Farmers State Bank Stanberry is an FDIC insured institution located in Stanberry, MO. It was founded in 1925 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 1619
Date Established 1925
Assets $ 57.61 million
Loans $ 22.60 million
Deposits $ 50.32 million
Capital $ 7.25 million
 

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

Deposit Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

 

Loan Rates - September 27, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Farmers State Bank Stanberry

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 2021

Lender APR Rate (%) Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.494% 3.375%
1.00 points
$3,750 fees
$1,106 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR 1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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Note to Farmers State Bank Stanberry
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Branches

Farmers State Bank Stanberry 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:
Fairfield,Connecticut


Farmers State Bank Stanberry Locations


Financial Details

Farmers State Bank Stanberry Ratio Analysis

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

Texas Ratio
Farmers State Bank Stanberry U.S. Bank Average
0.63% 5.29%

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, 2021, Farmers State Bank Stanberry had $48,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,254,000 in equity and $409,000 in loans loss reserves. That gives it a Texas Ratio of 0.63%.

Return on Equity
Farmers State Bank Stanberry U.S. Bank Average
7.05% 11.43%

Farmers State Bank Stanberry has a Return on Equity of 7.05% versus the BestCashCow average of 11.43%. 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.

Capitalization
Farmers State Bank Stanberry U.S. Bank Average
12.59% 11.51%

Farmers State Bank Stanberry has a Capitalization of 12.59% versus the BestCashCow average of 11.51. 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 Stanberry Balance Sheet Analysis

As of June 30, 2016, Farmers State Bank Stanberry had assets of $57,605,000, loans of $22,599,000, and deposits of $50,315,000. 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, 2021
ASSETS
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 $ 22.60 million
Loan loss allowance $ 0.41 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.
LIABILITIES
Total deposits $ 50.32 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 $ 57.61 million

Summary Income Statement

March 31, 2021
INCOME AND EXPENSES
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 Stanberry’s loan portfolio are Farm Loans, 1-4 Family Residential Loans, and Commercial Real Estate.

Compared to other banks in Missouri, Farmers State Bank Stanberry 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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 20.01
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.95
Small Business Loans 7.11
Construction and Development Loans 0.00
Commercial Real Estate 12.68
Commercial and Industrial Loans 3.97
Farm Loans 21.47

Frequently Asked Questions About Farmers State Bank Stanberry

Branches and Savings

Is Farmers State Bank Stanberry FDIC insured?

Yes. It is covered under FDIC Certificate #1619.

Why does Farmers State Bank Stanberry 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 Stanberry CD rates not competitive?

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

Is Farmers State Bank Stanberry a commercial bank?

Yes

Where are Farmers State Bank Stanberry locations?

See branch locations nearby.

Is Farmers State Bank Stanberry open on Saturdays?

Is Farmers State Bank Stanberry open on Sundays?

What time does Farmers State Bank Stanberry open?

What time does Farmers State Bank Stanberry close?

Are Farmers State Bank Stanberry ATMs Open 24/7?

Do Farmers State Bank Stanberry ATMs accept cash deposits?

Can Farmers State Bank Stanberry customers use other ATMs?

Do Farmers State Bank Stanberry branches have notaries?

Will Farmers State Bank Stanberry notarize my document?

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

Will the Farmers State Bank Stanberry branch print checks?

Do Farmers State Bank Stanberry checks expire?

Does Farmers State Bank Stanberry require US citizenship to open account?

Can Farmers State Bank Stanberry close my account?

Does Farmers State Bank Stanberry Report to credit bureaus?

Does Farmers State Bank Stanberry Use Equifax?

What is Farmers State Bank Stanberry's ACH Routing Number?

What is Farmers State Bank Stanberry's SWIFT code?

Products

Does Farmers State Bank Stanberry offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Farmers State Bank Stanberry offer personal loans?

Compare personal loan rates here.

Does Farmers State Bank Stanberry offer student loans?

Will Farmers State Bank Stanberry cash a check?

Will Farmers State Bank Stanberry redeem a savings bond?

Does Farmers State Bank Stanberry cash savings bonds?

Will Farmers State Bank Stanberry cash money orders?

Can Farmers State Bank Stanberry issue a money order?

Does Farmers State Bank Stanberry do currency exchange?

Background on The Bank

Who owns Farmers State Bank Stanberry?

How long has Farmers State Bank Stanberry been around?

Can Farmers State Bank Stanberry transfer to other banks?

Does Farmers State Bank Stanberry have quick pay?

Does Farmers State Bank Stanberry accept rolled coins?

Will Farmers State Bank Stanberry accept loose change?

Where is Farmers State Bank Stanberry headquarters?

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