TellerScore

Headquartered in Winthrop, Washington, Farmers State Bank is a state-chartered bank with $47.4M in total assets and $41.4M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1916.

Based on its Q2 2026 filing, Farmers State Bank scores 86/100, which we describe as very strong. That is higher than 81% of 546 banks with under $100 million in assets. Among 29 banks headquartered in Washington, it ranks 2nd. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (68/100; 1.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion74/100
Tier 1 leverage ratio: 12.38%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 8.0% · 11.4% 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 6 points (80 → 86), mostly because the capital cushion component improved by 15 points.

TellerScore
577286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202457
Q4 202473
Q1 202574
Q2 202580
Q3 202581
Q4 202581
Q1 202684
Q2 202686
Tier 1 leverage ratio
5.00%8.69%12.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.18%
Q3 20249.75%
Q4 20249.64%
Q1 202510.34%
Q2 202510.92%
Q3 202511.03%
Q4 202511.15%
Q1 202611.68%
Q2 202612.38%
Noncurrent loans
0.00%0.96%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20241.93%
Q4 20240.00%
Q1 20250.60%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.54%0.91%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.54%
Q3 20240.63%
Q4 20240.64%
Q1 20251.09%
Q2 20251.04%
Q3 20251.13%
Q4 20251.01%
Q1 20261.28%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$47.4M12.38%0.00%1.19%8.0%
Q1 202684$50.6M11.68%0.00%1.28%7.5%
Q4 202581$50.1M11.15%0.00%1.01%8.1%
Q3 202581$50.7M11.03%0.00%1.13%7.8%
Q2 202580$49.1M10.92%0.00%1.04%8.0%
Q1 202574$50.2M10.34%0.60%1.09%7.8%
Q4 202473$52.4M9.64%0.00%0.64%7.7%
Q3 202457$53.8M9.75%1.93%0.63%7.8%
Q2 202471$53.6M9.18%0.00%0.54%7.7%

546 peers · Under $100 million in assets

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 ratio12.38%
46th
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.28%
9th
Return on assets1.19%
61st
Net interest margin3.40%
27th
Efficiency ratio54.9%
83rd
Loans to deposits8.0%
96th
Uninsured deposits11.4%
69th
Loan-loss reserves6.27%
99th
Texas ratio0.0%
85th

Similar-size banks in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Sound Banking CompanyBank Lakewood, WA82 out of 100, Strong$45.2M12.1%0.00%vs
Lamont Bank of St. JohnBank Saint John, WA14 out of 100, Low$51.1M3.0%49.79%vs
Connect Community BankBank Raymond, WA45 out of 100, Below average$72.7M3.6%0.15%vs

Deposit insurance

Is my money safe at Farmers State Bank?

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #6156). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.4% of deposits ($4.7M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.38%, 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

1 location

Branches

Farmers State Bank lists 1 office in 1 city. Most locations:

  • Winthrop, WA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers State Bank
Former names
Farmers State Bank, Winthrop, Wash.
Type
State-chartered bank
FDIC certificate #
6156
RSSD ID
694771
Primary regulator
FDIC
Established
January 1, 1916
Headquarters
159 Riverside Ave, Winthrop, WA 98862
Employees
6

Quick answers

Farmers State Bank: common questions

Is Farmers State Bank FDIC insured?

Yes. Farmers State Bank is an FDIC-insured institution (FDIC certificate #6156). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank's TellerScore?

86 out of 100 (Very 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 #6156 in the FDIC failed bank list.

How many branches does Farmers State Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Winthrop

InstitutionScoreAssetsCapitalProblem loansCompare
Glacier BankBank Kalispell, MT68 out of 100, Moderate$31.6B10.1%0.42%vs