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Farmers State Bank
Northwood, IA · FDIC Certificate #5797 · Chartered 11/1
Total assets
$221.45M
Total deposits
$189.65M
Total equity
$21.93M
Net loans
$161.02M
Branches (offices)
8
Net income (YTD)
$1.14M
Rank: #2,857 of 4,213 U.S. banks by assets · #132 of 225 in Iowa. Assets changed 0.1% and deposits 6.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.03% |
| Return on equity | 10.58% |
| Net interest margin (YTD) | 4.01% |
| Equity to assets | 9.90% |
| Tier 1 leverage ratio | 12.73% |
| Uninsured deposits (share of deposits) | 15.4% |
| Noncurrent loans (share of loans) | 0.77% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 84.9% |
| Real estate loans (share of loans) | 70.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $114.18M | 70.9% | |
| Commercial & industrial | $12.65M | 7.9% | |
| Consumer / individual | $3.36M | 2.1% | |
| Construction & development | $6.98M | 4.3% | |
| Agricultural | $29.48M | 18.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $224.62M | $192.85M | $1.11M | $18.25M |
| Jun 2023 | $239.35M | $211.88M | $555.00K | $18.04M |
| Jun 2024 | $215.87M | $182.75M | $42.00K | $18.83M |
| Jun 2025 | $221.28M | $178.20M | $547.00K | $19.98M |
| Jun 2026 | $221.45M | $189.65M | $1.14M | $21.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $189.65M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $189.65M.
Similar-sized banks
Banksouth ($221.46M) · Bank Of Milton ($221.41M)
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.
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