The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 6 points (85 → 91), mostly because the earnings component improved by 27 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Iowa

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #14209). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.7% of deposits ($117.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Farmers State Bank lists 7 offices in 5 cities. Most locations:

• Cedar Rapids, IA (2)
• Marion, IA (2)
• Alburnett, IA (1)
• Hiawatha, IA (1)
• Tiffin, IA (1)

All branch addresses and map

In 2025, Farmers State Bank reported 194 home-loan applications under HMDA (LEI 549300EXKS98GEONUS84): 147 originated ($57,745,000 total), 12 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Farmers State Bank

Type

State-chartered bank

FDIC certificate #

14209

RSSD ID

1006148

Primary regulator

FDIC

Holding company

Neighbor Insurance Agency Inc

Established

August 27, 1927

Headquarters

1240 8th Ave, Marion, IA 52302

Website

www.myfsbonline.com

Employees

138