TellerScore

Headquartered in Hamel, Minnesota, Farmers State Bank of Hamel is a state-chartered bank with $198.3M in total assets and $185.1M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1919.

Farmers State Bank of Hamel has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 89th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (45/100, 9.52%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.52%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 34.7% · 31.5% 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 4 points (68 → 72), mostly because the capital cushion component improved by 9 points.

TellerScore
646973Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202466
Q4 202466
Q1 202570
Q2 202568
Q3 202569
Q4 202570
Q1 202673
Q2 202672
Tier 1 leverage ratio
5.00%7.26%9.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.24%
Q3 20248.55%
Q4 20248.55%
Q1 20258.62%
Q2 20258.65%
Q3 20258.59%
Q4 20258.90%
Q1 20269.36%
Q2 20269.52%
Noncurrent loans
0.00%0.01%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.03%
Q3 20240.03%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.37%0.68%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.52%
Q4 20240.54%
Q1 20250.91%
Q2 20250.77%
Q3 20250.81%
Q4 20250.77%
Q1 20260.99%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$198.3M9.52%0.00%0.87%34.7%
Q1 202673$188.8M9.36%0.00%0.99%38.5%
Q4 202570$200.2M8.90%0.00%0.77%37.5%
Q3 202569$208.2M8.59%0.00%0.81%36.0%
Q2 202568$204.9M8.65%0.00%0.77%36.0%
Q1 202570$193.9M8.62%0.00%0.91%38.8%
Q4 202466$194.5M8.55%0.00%0.54%38.5%
Q3 202466$199.6M8.55%0.03%0.52%39.5%
Q2 202464$205.3M8.24%0.03%0.37%37.6%

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 ratio9.52%
22nd
Total risk-based capital0.00%
24th
Problem loans0.00%
94th
Net charge-offs0.00%
68th
Return on assets0.87%
27th
Net interest margin2.64%
4th
Efficiency ratio61.6%
52nd
Loans to deposits34.7%
97th
Uninsured deposits31.5%
24th
Loan-loss reserves1.49%
78th
Texas ratio0.0%
95th

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
New Market BankBank Elko New Market, MN74 out of 100, Strong$196.0M9.1%0.00%vs
Keen Bank, National AssociationBank Waseca, MN76 out of 100, Strong$201.1M8.4%0.06%vs
Minnstar Bank National AssociationBank Lake Crystal, MN70 out of 100, Strong$204.0M10.4%0.36%vs
Wadena State BankBank Wadena, MN81 out of 100, Strong$206.6M9.8%0.04%vs
Grand Marais State BankBank Grand Marais, MN75 out of 100, Strong$207.2M8.4%0.10%vs
ESB BankBank Caledonia, MN65 out of 100, Moderate$208.9M9.2%0.87%vs

Deposit insurance

Is my money safe at Farmers State Bank of Hamel?

Yes. Farmers State Bank of Hamel is an FDIC-insured institution (FDIC certificate #8214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.5% of deposits ($58.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.52%, 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

2 locations

Branches

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

  • Hamel, MN (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers State Bank of Hamel
Type
State-chartered bank
FDIC certificate #
8214
RSSD ID
1006157
Primary regulator
FDIC
Established
January 1, 1919
Headquarters
145 Hamel Rd, Hamel, MN 55340
Employees
23

Quick answers

Farmers State Bank of Hamel: common questions

Is Farmers State Bank of Hamel FDIC insured?

Yes. Farmers State Bank of Hamel is an FDIC-insured institution (FDIC certificate #8214). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers State Bank of Hamel's TellerScore?

72 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 of Hamel ever failed?

There is no failure record for FDIC certificate #8214 in the FDIC failed bank list.

How many branches does Farmers State Bank of Hamel have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Hamel

InstitutionScoreAssetsCapitalProblem loansCompare
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs
Scale BankBank Edina, MN83 out of 100, Strong$626.7M14.0%0.06%vs