TellerScore

Farmers State Bank (FDIC certificate #14578) is based in Lagrange, Indiana. Its Q2 2026 call report shows $1.3B in total assets and $1.2B in deposits and 12 offices across 2 states.

Farmers State Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 897 banks with $1 billion – $10 billion. Among 88 banks headquartered in Indiana, it ranks 13th. Problem-loan coverage contributes the most (100/100, 0.1%); funding & liquidity contributes the least (50/100, 78% loans-to-deposits, 45% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.75%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity50/100
Loans ÷ deposits and uninsured-deposit share: 77.7% · 44.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.14%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 4 points (74 → 78), mostly because the earnings component improved by 12 points.

TellerScore
717578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202474
Q4 202472
Q1 202574
Q2 202574
Q3 202575
Q4 202571
Q1 202673
Q2 202678
Tier 1 leverage ratio
5.00%7.88%10.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.94%
Q3 20249.97%
Q4 20249.99%
Q1 202510.17%
Q2 20259.90%
Q3 202510.29%
Q4 202510.59%
Q1 202610.77%
Q2 202610.75%
Noncurrent loans
0.01%0.29%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.01%
Q4 20240.16%
Q1 20250.08%
Q2 20250.08%
Q3 20250.08%
Q4 20250.58%
Q1 20260.57%
Q2 20260.02%
Return on assets
1.40%1.63%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.40%
Q3 20241.42%
Q4 20241.46%
Q1 20251.52%
Q2 20251.56%
Q3 20251.61%
Q4 20251.63%
Q1 20261.77%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$1.3B10.75%0.02%1.85%77.7%
Q1 202673$1.3B10.77%0.57%1.77%79.8%
Q4 202571$1.3B10.59%0.58%1.63%77.9%
Q3 202575$1.3B10.29%0.08%1.61%75.2%
Q2 202574$1.3B9.90%0.08%1.56%71.4%
Q1 202574$1.2B10.17%0.08%1.52%75.4%
Q4 202472$1.2B9.99%0.16%1.46%74.9%
Q3 202474$1.2B9.97%0.01%1.42%75.3%
Q2 202474$1.2B9.94%0.04%1.40%73.0%

897 peers · $1 billion – $10 billion

How it compares with peers

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

Capital ratio10.75%
55th
Total risk-based capital0.00%
13th
Problem loans0.02%
93rd
Net charge-offs0.01%
66th
Return on assets1.85%
84th
Net interest margin4.04%
71st
Efficiency ratio47.6%
82nd
Loans to deposits77.7%
72nd
Uninsured deposits44.9%
17th
Loan-loss reserves0.93%
23rd
Texas ratio0.1%
94th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
First Harrison BankBank Corydon, IN75 out of 100, Strong$1.3B11.3%0.72%vs
Jackson County BankBank Seymour, IN53 out of 100, Below average$1.1B8.5%0.55%vs
First Bank of BerneBank Berne, IN73 out of 100, Strong$1.1B9.9%0.47%vs
First Bank MidwestBank Frankfort, IN52 out of 100, Below average$1.5B10.9%1.78%vs
Peoples BankBank Munster, IN53 out of 100, Below average$2.0B9.3%1.10%vs
The National Bank of IndianapolisBank Indianapolis, IN66 out of 100, Moderate$3.0B9.3%0.15%vs

Deposit insurance

Is my money safe at Farmers State Bank?

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #14578). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 44.9% of deposits ($521.2M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.75%, 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

12 locations

Branches

Farmers State Bank lists 12 offices in 11 cities across 2 states. Most locations:

  • Lagrange, IN (2)
  • Angola, IN (1)
  • Fremont, IN (1)
  • Hamilton, IN (1)
  • Howe, IN (1)
  • Millersburg, IN (1)
  • Shipshewana, IN (1)
  • Stroh, IN (1)
  • Sturgis, MI (1)
  • Topeka, IN (1)
  • Wolcottville, IN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers State Bank reported 632 home-loan applications under HMDA (LEI 549300H3GIHYP3MB0302): 548 originated ($118,150,000 total), 52 denied, and 13 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.4%, 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.

Identity & history

Profile

Legal name
Farmers State Bank
Type
State-chartered bank
FDIC certificate #
14578
RSSD ID
113441
Primary regulator
FDIC
Holding company
Fs Bcorp
Established
July 16, 1934
Headquarters
220 S Detroit St, Lagrange, IN 46761
Employees
153

Quick answers

Farmers State Bank: common questions

Is Farmers State Bank FDIC insured?

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #14578). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank's TellerScore?

78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers State Bank ever failed?

There is no failure record for FDIC certificate #14578 in the FDIC failed bank list.

How many branches does Farmers State Bank have?

12 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lagrange

InstitutionScoreAssetsCapitalProblem loansCompare
Chiphone Federal Credit UnionCredit union Elkhart, IN87 out of 100, Very strong$111.8M16.4%0.38%vs
Century Bank and TrustBank Coldwater, MI86 out of 100, Very strong$494.0M14.6%0.66%vs
Profed Federal Credit UnionCredit union Fort Wayne, IN82 out of 100, Strong$763.5M13.2%0.47%vs
Midwest America Federal Credit UnionCredit union Fort Wayne, IN79 out of 100, Strong$1.0B14.8%0.90%vs
Three Rivers Federal Credit UnionCredit union Fort Wayne, IN78 out of 100, Strong$2.9B13.9%1.47%vs
Marshall Community Credit UnionCredit union Marshall, MI78 out of 100, Strong$371.8M17.2%2.08%vs