The Farmers State Bank is a state-chartered bank (fed member) headquartered in Quinton, Oklahoma, in business for about 118 years. At the end of Q2 2026 it reported $193.9M in total assets and $182.1M in deposits, with 4 offices.
Based on its Q2 2026 filing, The Farmers State Bank scores 70/100, which we describe as strong. That is higher than only 43% of 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 85th. Its strongest component is funding & liquidity (91/100; 69% loans-to-deposits, 12% uninsured), and its lowest is capital cushion (43/100; 9.30%).
TellerScore · Q2 2026
Scorecard
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 (69 → 70).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 66 |
| Q3 2024 | 68 |
| Q4 2024 | 66 |
| Q1 2025 | 72 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 68 |
| Q1 2026 | 73 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.94% |
| Q3 2024 | 9.10% |
| Q4 2024 | 8.89% |
| Q1 2025 | 8.95% |
| Q2 2025 | 8.89% |
| Q3 2025 | 8.86% |
| Q4 2025 | 8.90% |
| Q1 2026 | 9.28% |
| Q2 2026 | 9.30% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.59% |
| Q3 2024 | 0.64% |
| Q4 2024 | 0.50% |
| Q1 2025 | 0.31% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.52% |
| Q2 2026 | 0.79% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.05% |
| Q3 2024 | 1.18% |
| Q4 2024 | 0.93% |
| Q1 2025 | 1.23% |
| Q2 2025 | 1.37% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.28% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.59% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $193.9M | 9.30% | 0.79% | 1.59% | 68.9% |
| Q1 2026 | 73 | $198.6M | 9.28% | 0.52% | 1.55% | 68.8% |
| Q4 2025 | 68 | $191.5M | 8.90% | 0.60% | 1.28% | 70.1% |
| Q3 2025 | 69 | $198.4M | 8.86% | 0.64% | 1.41% | 66.1% |
| Q2 2025 | 69 | $195.6M | 8.89% | 0.58% | 1.37% | 65.3% |
| Q1 2025 | 72 | $193.9M | 8.95% | 0.31% | 1.23% | 64.7% |
| Q4 2024 | 66 | $184.8M | 8.89% | 0.50% | 0.93% | 66.1% |
| Q3 2024 | 68 | $185.5M | 9.10% | 0.64% | 1.18% | 66.8% |
| Q2 2024 | 66 | $184.4M | 8.94% | 0.59% | 1.05% | 66.2% |
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).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Seiling State BankBank Seiling, OK | 79 out of 100, Strong | $195.0M | 10.5% | 0.00% | vs |
| The Bank of the WestBank Thomas, OK | 62 out of 100, Moderate | $192.4M | 10.5% | 2.22% | vs |
| Oklahoma Capital BankBank Tulsa, OK | 69 out of 100, Moderate | $196.3M | 10.4% | 0.30% | vs |
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |
| First Enterprise BankBank Oklahoma City, OK | 28 out of 100, Low | $189.7M | 10.8% | 6.33% | vs |
| The Bank of Beaver CityBank Beaver, OK | 60 out of 100, Moderate | $188.6M | 8.7% | 1.34% | vs |
Deposit insurance
Is my money safe at The Farmers State Bank?
Yes. The Farmers State Bank is an FDIC-insured institution (FDIC certificate #404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.4% of deposits ($22.6M) 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 9.30%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.28% (benchmark: 10%).
4 locations
Branches
The Farmers State Bank lists 4 offices in 4 cities. Most locations:
- Eufaula, OK (1)
- Quinton, OK (1)
- Red Oak, OK (1)
- Stigler, OK (1)
Identity & history
Profile
- Legal name
- The Farmers State Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 404
- RSSD ID
- 647759
- Primary regulator
- FED
- Holding company
- F S B Properties Inc
- Established
- March 8, 1908
- Headquarters
- 1100 Main St, Quinton, OK 74561
- Website
- www.fsb1908.bank
- Employees
- 49
Quick answers
The Farmers State Bank: common questions
Is The Farmers State Bank FDIC insured?
Yes. The Farmers State Bank is an FDIC-insured institution (FDIC certificate #404). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Farmers State Bank's TellerScore?
70 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 The Farmers State Bank ever failed?
There is no failure record for FDIC certificate #404 in the FDIC failed bank list.
How many branches does The Farmers State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Quinton
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Latimer State BankBank Wilburton, OK | 90 out of 100, Very strong | $65.5M | 25.0% | 0.83% | vs |
| The First National Bank of Fort SmithBank Fort Smith, AR | 78 out of 100, Strong | $2.3B | 11.1% | 0.44% | vs |
| First National Bank & Trust Company of McAlesterBank Mcalester, OK | 71 out of 100, Strong | $580.4M | 10.9% | 1.34% | vs |
| BancFirstBank Oklahoma City, OK | 71 out of 100, Strong | $12.8B | 10.6% | 1.19% | vs |
| Bank of EufaulaBank Eufaula, OK | 68 out of 100, Moderate | $87.1M | 12.1% | 0.46% | vs |
| The Bank, National AssociationBank Mcalester, OK | 68 out of 100, Moderate | $488.1M | 10.9% | 1.30% | vs |