TellerScore

Headquartered in Church Point, Louisiana, Farmers State Bank & Trust Co. is a state-chartered bank with $174.7M in total assets and $159.7M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1944.

Farmers State Bank & Trust Co. has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 104 banks headquartered in Louisiana, it ranks 86th. Funding & liquidity contributes the most (100/100, 51% loans-to-deposits, 15% uninsured); loan quality contributes the least (8/100, 2.76%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.10%
Loan quality8/100
Noncurrent loans ÷ total loans: 2.76%
Earnings97/100
Return on assets (annualized): 1.93%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 50.7% · 15.2% uninsured
Problem-loan coverage70/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 14.92%

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 27 points (83 → 56), mostly because the loan quality component weakened by 91 points.

TellerScore
536883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202475
Q4 202481
Q1 202573
Q2 202583
Q3 202575
Q4 202581
Q1 202653
Q2 202656
Tier 1 leverage ratio
5.00%7.48%9.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.30%
Q3 20249.53%
Q4 20249.83%
Q1 20259.13%
Q2 20259.42%
Q3 20259.76%
Q4 20259.96%
Q1 20269.10%
Q2 20269.10%
Noncurrent loans
0.03%1.49%2.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.86%
Q4 20240.29%
Q1 20250.85%
Q2 20250.03%
Q3 20251.01%
Q4 20250.45%
Q1 20262.96%
Q2 20262.76%
Return on assets
1.84%1.96%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.06%
Q3 20242.08%
Q4 20242.02%
Q1 20252.07%
Q2 20252.06%
Q3 20252.06%
Q4 20252.01%
Q1 20261.84%
Q2 20261.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202656$174.7M9.10%2.76%1.93%50.7%
Q1 202653$174.2M9.10%2.96%1.84%48.0%
Q4 202581$170.7M9.96%0.45%2.01%50.7%
Q3 202575$169.4M9.76%1.01%2.06%49.4%
Q2 202583$168.8M9.42%0.03%2.06%48.7%
Q1 202573$173.1M9.13%0.85%2.07%47.4%
Q4 202481$164.8M9.83%0.29%2.02%51.8%
Q3 202475$164.1M9.53%0.86%2.08%54.7%
Q2 202480$166.6M9.30%0.21%2.06%54.4%

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 ratio9.10%
14th
Total risk-based capital0.00%
24th
Problem loans2.76%
7th
Net charge-offs0.13%
17th
Return on assets1.93%
85th
Net interest margin4.35%
73rd
Efficiency ratio58.5%
62nd
Loans to deposits50.7%
91st
Uninsured deposits15.2%
81st
Loan-loss reserves1.81%
90th
Texas ratio14.9%
10th

Similar-size banks in Louisiana

InstitutionScoreAssetsCapitalProblem loansCompare
South Lafourche Bank & Trust CompanyBank Larose, LA38 out of 100, Low$177.5M11.7%6.95%vs
Feliciana Bank & Trust CompanyBank Clinton, LA75 out of 100, Strong$180.4M11.8%0.69%vs
Citizens Bank & Trust CompanyBank Covington, LA41 out of 100, Below average$183.7M11.1%7.15%vs
State Bank & Trust CompanyBank Golden Meadow, LA74 out of 100, Strong$165.1M10.6%0.46%vs
Tensas State BankBank Newellton, LA59 out of 100, Moderate$185.5M13.9%3.43%vs
Citizens Bank & Trust Company of Vivian, LouisianaBank Vivian, LA64 out of 100, Moderate$159.6M10.3%0.87%vs

Deposit insurance

Is my money safe at Farmers State Bank & Trust Co.?

Yes. Farmers State Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #16114). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.2% of deposits ($24.2M) 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 9.10%, 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

5 locations

Branches

Farmers State Bank & Trust Co. lists 5 offices in 4 cities. Most locations:

  • Church Point, LA (2)
  • Cankton, LA (1)
  • Duson, LA (1)
  • Youngsville, LA (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Farmers State Bank & Trust Co. reported 30 home-loan applications under HMDA (LEI 549300YBDQ281GX1LB13): 20 originated ($2,040,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, 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 & Trust Co.
Type
State-chartered bank
FDIC certificate #
16114
RSSD ID
567736
Primary regulator
FDIC
Holding company
FSB Bancshares Inc
Established
January 3, 1944
Headquarters
110 W Plaquemine St, Church Point, LA 70525
Employees
43

Quick answers

Farmers State Bank & Trust Co.: common questions

Is Farmers State Bank & Trust Co. FDIC insured?

Yes. Farmers State Bank & Trust Co. is an FDIC-insured institution (FDIC certificate #16114). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank & Trust Co.'s TellerScore?

56 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 & Trust Co. ever failed?

There is no failure record for FDIC certificate #16114 in the FDIC failed bank list.

How many branches does Farmers State Bank & Trust Co. have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Church Point

InstitutionScoreAssetsCapitalProblem loansCompare
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
South Louisiana BankBank Houma, LA91 out of 100, Very strong$659.8M15.3%0.45%vs
Gulf Coast BankBank Abbeville, LA86 out of 100, Very strong$513.7M14.7%0.63%vs
Bayou Federal Credit UnionCredit union Baton Rouge, LA84 out of 100, Strong$82.5M15.9%0.30%vs
The BankBank Jennings, LA83 out of 100, Strong$462.0M12.8%0.48%vs
Cottonport BankBank Cottonport, LA83 out of 100, Strong$581.6M13.9%0.99%vs