TellerScore

Headquartered in Parkston, South Dakota, Farmers State Bank is a state-chartered bank with $254.8M in total assets and $237.4M in deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1919.

Farmers State Bank has a TellerScore of 76 out of 100 (strong) based on Q2 2026 data — higher than 64% of its 2,650 banks with $100 million – $1 billion. Among 56 banks headquartered in South Dakota, it ranks 25th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (50/100, 9.99%).

TellerScore · Q2 2026

Scorecard

Capital cushion50/100
Tier 1 leverage ratio: 9.99%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 58.6% · 13.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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 3 points (73 → 76), mostly because the earnings component improved by 11 points.

TellerScore
727476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202473
Q1 202572
Q2 202573
Q3 202574
Q4 202574
Q1 202675
Q2 202676
Tier 1 leverage ratio
5.00%7.51%10.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.60%
Q3 20249.98%
Q4 20249.68%
Q1 20259.68%
Q2 20259.81%
Q3 202510.02%
Q4 20259.75%
Q1 20269.87%
Q2 20269.99%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.51%0.70%0.89%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.60%
Q3 20240.58%
Q4 20240.58%
Q1 20250.51%
Q2 20250.64%
Q3 20250.68%
Q4 20250.72%
Q1 20260.82%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$254.8M9.99%0.00%0.89%58.6%
Q1 202675$258.9M9.87%0.00%0.82%55.5%
Q4 202574$250.7M9.75%0.00%0.72%59.5%
Q3 202574$250.6M10.02%0.00%0.68%56.2%
Q2 202573$246.4M9.81%0.00%0.64%56.0%
Q1 202572$251.3M9.68%0.00%0.51%52.4%
Q4 202473$241.2M9.68%0.00%0.58%57.7%
Q3 202474$239.1M9.98%0.00%0.58%57.2%
Q2 202473$238.1M9.60%0.00%0.60%56.0%

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).

Capital ratio9.99%
31st
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs-0.00%
82nd
Return on assets0.89%
28th
Net interest margin3.38%
23rd
Efficiency ratio66.3%
38th
Loans to deposits58.6%
84th
Uninsured deposits13.8%
85th
Loan-loss reserves1.12%
40th
Texas ratio0.0%
95th

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Quoin Financial BankBank Miller, SD67 out of 100, Moderate$250.7M7.9%0.21%vs
Commercial State Bank, of WagnerBank Wagner, SD66 out of 100, Moderate$260.4M11.8%2.29%vs
Campbell County Bank, Inc.Bank Herreid, SD82 out of 100, Strong$240.7M12.9%0.58%vs
One American BankBank Centerville, SD40 out of 100, Below average$285.2M8.3%1.56%vs
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs

Deposit insurance

Is my money safe at Farmers State Bank?

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #1686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.8% of deposits ($32.7M) 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 9.99%, 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

3 locations

Branches

Farmers State Bank lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Farmers State Bank
Type
State-chartered bank
FDIC certificate #
1686
RSSD ID
120953
Primary regulator
FDIC
Holding company
Parkston Investment Co
Established
July 19, 1919
Headquarters
103 W Main St, Parkston, SD 57366
Employees
35

Quick answers

Farmers State Bank: common questions

Is Farmers State Bank FDIC insured?

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #1686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank's TellerScore?

76 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 #1686 in the FDIC failed bank list.

How many branches does Farmers State Bank have?

3 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Parkston

InstitutionScoreAssetsCapitalProblem loansCompare
The Security State BankBank Emery, SD99 out of 100, Very strong$64.8M19.5%0.00%vs
The Farmers and Merchants State BankBank Scotland, SD83 out of 100, Strong$36.0M11.9%0.08%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
BankWest, Inc.Bank Pierre, SD38 out of 100, Low$1.9B9.2%2.76%vs
Security State BankBank Alexandria, SD36 out of 100, Low$103.0M8.2%3.72%vs