Advertisement
Farmers State Bank
Mountain City, TN · FDIC Certificate #13775 · Chartered 01/1
Total assets
$232.57M
Total deposits
$194.33M
Total equity
$23.01M
Net loans
$145.92M
Branches (offices)
3
Net income (YTD)
$890.00K
Rank: #2,796 of 4,213 U.S. banks by assets · #83 of 109 in Tennessee. Assets changed 6.5% and deposits -0.8% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 7.81% |
| Net interest margin (YTD) | 3.91% |
| Equity to assets | 9.89% |
| Tier 1 leverage ratio | 12.63% |
| Uninsured deposits (share of deposits) | 9.2% |
| Noncurrent loans (share of loans) | 0.83% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 75.1% |
| Real estate loans (share of loans) | 87.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $127.35M | 87.3% | |
| Commercial & industrial | $8.76M | 6.0% | |
| Consumer / individual | $10.65M | 7.3% | |
| Construction & development | $21.27M | 14.6% | |
| Agricultural | $440.00K | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $203.84M | $182.50M | $772.00K | $16.34M |
| Jun 2023 | $200.77M | $181.06M | $791.00K | $17.03M |
| Jun 2024 | $200.77M | $171.81M | $583.00K | $18.02M |
| Jun 2025 | $218.43M | $195.81M | $867.00K | $20.18M |
| Jun 2026 | $232.57M | $194.33M | $890.00K | $23.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Tennessee | $194.33M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $194.33M.
Similar-sized banks
Cornerstone Bank ($232.80M) · Security State Bank Of Marine ($232.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement