TellerScore

Farmers State Bank, Allen, Oklahoma (FDIC certificate #12758) is based in Allen, Oklahoma. Its Q2 2026 call report shows $57.2M in total assets and $48.6M in deposits and 1 office.

Farmers State Bank, Allen, Oklahoma has a TellerScore of 86 out of 100 (very strong) based on Q2 2026 data — higher than 81% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 19th. Earnings contributes the most (100/100, 2.17%); funding & liquidity contributes the least (76/100, 83% loans-to-deposits, 17% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion85/100
Tier 1 leverage ratio: 13.52%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.61%
Earnings100/100
Return on assets (annualized): 2.17%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 82.6% · 16.8% uninsured
Problem-loan coverage94/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.99%

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 (85 → 86).

TellerScore
657686Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202479
Q4 202481
Q1 202581
Q2 202585
Q3 202568
Q4 202585
Q1 202665
Q2 202686
Tier 1 leverage ratio
5.00%9.27%13.53%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.32%
Q3 202412.46%
Q4 202412.89%
Q1 202513.05%
Q2 202512.89%
Q3 202513.15%
Q4 202513.24%
Q1 202613.53%
Q2 202613.52%
Noncurrent loans
0.46%1.66%2.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.81%
Q3 20241.00%
Q4 20240.84%
Q1 20250.91%
Q2 20250.46%
Q3 20252.39%
Q4 20250.60%
Q1 20262.87%
Q2 20260.61%
Return on assets
1.98%2.14%2.31%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.06%
Q3 20242.15%
Q4 20242.19%
Q1 20252.31%
Q2 20251.98%
Q3 20252.14%
Q4 20252.17%
Q1 20262.02%
Q2 20262.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$57.2M13.52%0.61%2.17%82.6%
Q1 202665$55.9M13.53%2.87%2.02%83.7%
Q4 202585$54.4M13.24%0.60%2.17%87.4%
Q3 202568$55.8M13.15%2.39%2.14%87.4%
Q2 202585$56.8M12.89%0.46%1.98%83.7%
Q1 202581$54.9M13.05%0.91%2.31%88.1%
Q4 202481$52.5M12.89%0.84%2.19%89.7%
Q3 202479$53.7M12.46%1.00%2.15%90.2%
Q2 202480$56.6M12.32%0.81%2.06%84.3%

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 ratio13.52%
57th
Total risk-based capital0.00%
27th
Problem loans0.61%
43rd
Net charge-offs0.01%
32nd
Return on assets2.17%
91st
Net interest margin5.43%
94th
Efficiency ratio56.4%
80th
Loans to deposits82.6%
26th
Uninsured deposits16.8%
46th
Loan-loss reserves1.54%
71st
Texas ratio3.0%
45th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First Bank and Trust CompanyBank Clinton, OK96 out of 100, Very strong$58.2M16.7%0.02%vs
Grant County BankBank Medford, OK81 out of 100, Strong$58.4M15.6%0.12%vs
The First Farmers National Bank of WaurikaBank Waurika, OK94 out of 100, Very strong$55.5M19.3%0.00%vs
The First State Bank of Pond Creek, OklahomaBank Pond Creek, OK83 out of 100, Strong$55.5M12.8%0.32%vs
Lakeside Bank of SalinaBank Salina, OK56 out of 100, Moderate$54.6M11.2%3.32%vs
Bank360Bank Cordell, OK42 out of 100, Below average$61.0M9.4%3.97%vs

Deposit insurance

Is my money safe at Farmers State Bank, Allen, Oklahoma?

Yes. Farmers State Bank, Allen, Oklahoma is an FDIC-insured institution (FDIC certificate #12758). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.8% of deposits ($8.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.52%, 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, Allen, Oklahoma lists 1 office in 1 city. Most locations:

  • Allen, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers State Bank, Allen, Oklahoma
Type
State-chartered bank
FDIC certificate #
12758
RSSD ID
37659
Primary regulator
FDIC
Established
September 8, 1922
Headquarters
201 E Broadway, Allen, OK 74825
Employees
10

Quick answers

Farmers State Bank, Allen, Oklahoma: common questions

Is Farmers State Bank, Allen, Oklahoma FDIC insured?

Yes. Farmers State Bank, Allen, Oklahoma is an FDIC-insured institution (FDIC certificate #12758). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank, Allen, Oklahoma'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, Allen, Oklahoma ever failed?

There is no failure record for FDIC certificate #12758 in the FDIC failed bank list.

How many branches does Farmers State Bank, Allen, Oklahoma have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Allen

InstitutionScoreAssetsCapitalProblem loansCompare
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
Tinker Federal Credit UnionCredit union Oklahoma City, OK83 out of 100, Strong$6.1B14.7%0.63%vs
First American BankBank Stonewall, OK82 out of 100, Strong$34.3M13.1%0.67%vs
Security State Bank of OklahomaBank Wewoka, OK79 out of 100, Strong$388.2M12.4%0.69%vs
Citizens Bank of AdaBank Ada, OK73 out of 100, Strong$353.7M9.5%0.68%vs
BancFirstBank Oklahoma City, OK71 out of 100, Strong$12.8B10.6%1.19%vs