Headquartered in Groesbeck, Texas, Farmers State Bank is a state-chartered bank with $196.0M in total assets and $176.8M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1913.
Based on its Q2 2026 filing, Farmers State Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 107th. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is capital cushion (44/100; 9.39%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 79).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 75 |
| Q4 2024 | 75 |
| Q1 2025 | 79 |
| Q2 2025 | 80 |
| Q3 2025 | 80 |
| Q4 2025 | 81 |
| Q1 2026 | 79 |
| Q2 2026 | 79 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.50% |
| Q3 2024 | 8.77% |
| Q4 2024 | 9.02% |
| Q1 2025 | 9.36% |
| Q2 2025 | 9.62% |
| Q3 2025 | 9.42% |
| Q4 2025 | 9.50% |
| Q1 2026 | 9.45% |
| Q2 2026 | 9.39% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.07% |
| Q4 2024 | 0.14% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.04% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.04% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.44% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.43% |
| Q1 2025 | 1.63% |
| Q2 2025 | 1.68% |
| Q3 2025 | 1.69% |
| Q4 2025 | 1.71% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.55% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $196.0M | 9.39% | 0.04% | 1.55% | 52.0% |
| Q1 2026 | 79 | $195.5M | 9.45% | 0.04% | 1.52% | 50.2% |
| Q4 2025 | 81 | $180.9M | 9.50% | 0.04% | 1.71% | 58.2% |
| Q3 2025 | 80 | $189.1M | 9.42% | 0.04% | 1.69% | 61.9% |
| Q2 2025 | 80 | $183.3M | 9.62% | 0.04% | 1.68% | 66.7% |
| Q1 2025 | 79 | $180.9M | 9.36% | 0.04% | 1.63% | 65.8% |
| Q4 2024 | 75 | $178.2M | 9.02% | 0.14% | 1.43% | 65.6% |
| Q3 2024 | 75 | $178.3M | 8.77% | 0.07% | 1.38% | 64.3% |
| Q2 2024 | 74 | $187.5M | 8.50% | 0.07% | 1.44% | 67.1% |
2,650 peers · $100 million – $1 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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of EvantBank Evant, TX | 78 out of 100, Strong | $199.4M | 9.8% | 0.38% | vs |
| Texas Advantage Community Bank, National AssociationBank Alvin, TX | 44 out of 100, Below average | $192.1M | 11.3% | 7.09% | vs |
| Citizens State BankBank Corrigan, TX | 83 out of 100, Strong | $190.6M | 12.0% | 0.50% | vs |
| Lone Star BankBank Houston, TX | 77 out of 100, Strong | $202.3M | 12.7% | 0.29% | vs |
| BOC BankBank Mclean, TX | 81 out of 100, Strong | $203.4M | 12.4% | 0.00% | vs |
| Peoples BankBank Paris, TX | 76 out of 100, Strong | $185.4M | 9.6% | 0.25% | vs |
Deposit insurance
Is my money safe at Farmers State Bank?
Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #15367). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.9% of deposits ($29.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.39%, 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%).
6 locations
Branches
Farmers State Bank lists 6 offices in 6 cities. Most locations:
- Fairfield, TX (1)
- Groesbeck, TX (1)
- Jewett, TX (1)
- Kosse, TX (1)
- Mexia, TX (1)
- Wortham, TX (1)
Identity & history
Profile
- Legal name
- Farmers State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 15367
- RSSD ID
- 461058
- Primary regulator
- FDIC
- Holding company
- Groesbeck Bancshares Inc
- Established
- January 1, 1913
- Headquarters
- 121 S Ellis St, Groesbeck, TX 76642
- Employees
- 37
Quick answers
Farmers State Bank: common questions
Is Farmers State Bank FDIC insured?
Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #15367). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers State Bank's TellerScore?
79 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 #15367 in the FDIC failed bank list.
How many branches does Farmers State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Groesbeck
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Centex Citizens Credit UnionCredit union Mexia, TX | 89 out of 100, Very strong | $118.9M | 17.2% | 0.44% | vs |
| Members Choice of Central Texas Federal Credit UnionCredit union Waco, TX | 88 out of 100, Very strong | $212.9M | 16.3% | 0.06% | vs |
| First National Bank of Central TexasBank Waco, TX | 81 out of 100, Strong | $1.8B | 10.8% | 0.10% | vs |
| Community National Bank & Trust of TexasBank Corsicana, TX | 76 out of 100, Strong | $1.7B | 10.6% | 0.09% | vs |
| Incommons Bank, N.A.Bank Mexia, TX | 73 out of 100, Strong | $277.6M | 10.2% | 0.41% | vs |
| Freestone Credit UnionCredit union Teague, TX | 73 out of 100, Strong | $77.3M | 10.3% | 0.10% | vs |