TellerScore

Farmers State Bank is a state-chartered bank (fed member) headquartered in Victor, Montana, in business for about 119 years. At the end of Q2 2026 it reported $790.3M in total assets and $664.3M in deposits, with 11 offices.

Farmers State Bank has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 35 banks headquartered in Montana, it ranks 27th. Problem-loan coverage contributes the most (88/100, 5.9%); capital cushion contributes the least (38/100, 8.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.84%
Loan quality77/100
Noncurrent loans ÷ total loans: 0.68%
Earnings59/100
Return on assets (annualized): 0.98%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 78.1% · 12.7% uninsured
Problem-loan coverage88/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 5.92%

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 fell 2 points (66 → 64), mostly because the funding & liquidity component weakened by 5 points.

TellerScore
596469Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202460
Q4 202459
Q1 202565
Q2 202566
Q3 202569
Q4 202567
Q1 202667
Q2 202664
Tier 1 leverage ratio
5.00%7.12%9.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.47%
Q3 20248.44%
Q4 20248.56%
Q1 20258.91%
Q2 20259.14%
Q3 20259.23%
Q4 20259.18%
Q1 20269.00%
Q2 20268.84%
Noncurrent loans
0.35%0.56%0.77%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.53%
Q3 20240.43%
Q4 20240.77%
Q1 20250.58%
Q2 20250.57%
Q3 20250.35%
Q4 20250.53%
Q1 20260.52%
Q2 20260.68%
Return on assets
0.26%0.66%1.07%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.36%
Q4 20240.53%
Q1 20250.88%
Q2 20250.91%
Q3 20250.96%
Q4 20250.96%
Q1 20261.07%
Q2 20260.98%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$790.3M8.84%0.68%0.98%78.1%
Q1 202667$784.8M9.00%0.52%1.07%75.2%
Q4 202567$773.6M9.18%0.53%0.96%74.2%
Q3 202569$731.1M9.23%0.35%0.96%73.3%
Q2 202566$717.4M9.14%0.57%0.91%73.7%
Q1 202565$716.9M8.91%0.58%0.88%74.0%
Q4 202459$725.7M8.56%0.77%0.53%73.4%
Q3 202460$731.9M8.44%0.43%0.36%75.1%
Q2 202459$721.1M8.47%0.53%0.26%76.5%

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 ratio8.84%
10th
Total risk-based capital13.40%
59th
Problem loans0.68%
38th
Net charge-offs0.04%
29th
Return on assets0.98%
32nd
Net interest margin4.16%
63rd
Efficiency ratio72.9%
24th
Loans to deposits78.1%
53rd
Uninsured deposits12.7%
88th
Loan-loss reserves1.33%
66th
Texas ratio5.9%
31st

Similar-size banks in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Bridger, National AssociationBank Bridger, MT70 out of 100, Strong$802.7M10.1%0.47%vs
American BankBank Bozeman, MT79 out of 100, Strong$630.4M11.1%0.00%vs
First Montana Bank, Inc.Bank Missoula, MT73 out of 100, Strong$530.3M10.2%0.13%vs
Little Horn State BankBank Hardin, MT59 out of 100, Moderate$412.6M10.3%1.15%vs
Bank of MontanaBank Missoula, MT75 out of 100, Strong$308.6M8.9%0.00%vs
Three Rivers Bank of MontanaBank Kalispell, MT71 out of 100, Strong$293.1M11.7%0.93%vs

Deposit insurance

Is my money safe at Farmers State Bank?

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 12.7% of deposits ($84.1M) 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 8.84%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.40% (benchmark: 10%).

Check how much of your own balance is covered

11 locations

Branches

Farmers State Bank lists 10 offices in 9 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers State Bank reported 135 home-loan applications under HMDA (LEI 5493007BVVG2E8KCTG95): 119 originated ($43,345,000 total), 4 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.3%, 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.

Identity & history

Profile

Legal name
Farmers State Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
342
RSSD ID
475354
Primary regulator
FED
Holding company
Farmers State Financial Corp
Established
January 1, 1907
Headquarters
103 Main St, Victor, MT 59875
Employees
138

Quick answers

Farmers State Bank: common questions

Is Farmers State Bank FDIC insured?

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #342). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank's TellerScore?

64 out of 100 (Moderate), 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 #342 in the FDIC failed bank list.

How many branches does Farmers State Bank have?

11 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Victor

InstitutionScoreAssetsCapitalProblem loansCompare
Ravalli County Federal Credit UnionCredit union Hamilton, MT92 out of 100, Very strong$89.4M13.9%0.02%vs
Clearwater Federal Credit UnionCredit union Missoula, MT76 out of 100, Strong$1.2B12.8%0.67%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs
Opportunity Bank of MontanaBank Helena, MT71 out of 100, Strong$2.1B10.9%0.26%vs
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs
Bitterroot Community Federal Credit UnionCredit union Darby, MT64 out of 100, Moderate$18.9M8.5%0.59%vs