Headquartered in Marcus, Iowa, The Farmers State Bank is a state-chartered bank with $77.2M in total assets and $67.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1928.
Based on its Q2 2026 filing, The Farmers State Bank scores 88/100, which we describe as very strong. That is higher than 86% of 546 banks with under $100 million in assets. Among 226 banks headquartered in Iowa, it ranks 21st. Its strongest component is funding & liquidity (96/100; 64% loans-to-deposits, 10% uninsured), and its lowest is capital cushion (82/100; 13.19%).
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
From Q2 2025 to Q2 2026, the score rose 22 points (66 → 88), mostly because the loan quality component improved by 48 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 83 |
| Q4 2024 | 65 |
| Q1 2025 | 65 |
| Q2 2025 | 66 |
| Q3 2025 | 85 |
| Q4 2025 | 87 |
| Q1 2026 | 89 |
| Q2 2026 | 88 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.32% |
| Q3 2024 | 12.60% |
| Q4 2024 | 12.75% |
| Q1 2025 | 12.46% |
| Q2 2025 | 12.82% |
| Q3 2025 | 13.42% |
| Q4 2025 | 13.64% |
| Q1 2026 | 12.70% |
| Q2 2026 | 13.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.19% |
| Q3 2024 | 0.01% |
| Q4 2024 | 1.98% |
| Q1 2025 | 2.02% |
| Q2 2025 | 1.94% |
| Q3 2025 | 0.04% |
| Q4 2025 | 0.05% |
| Q1 2026 | 0.04% |
| Q2 2026 | 0.51% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.98% |
| Q3 2024 | 0.96% |
| Q4 2024 | 0.88% |
| Q1 2025 | 0.96% |
| Q2 2025 | 0.91% |
| Q3 2025 | 1.07% |
| Q4 2025 | 1.23% |
| Q1 2026 | 1.74% |
| Q2 2026 | 1.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $77.2M | 13.19% | 0.51% | 1.87% | 63.8% |
| Q1 2026 | 89 | $78.0M | 12.70% | 0.04% | 1.74% | 61.4% |
| Q4 2025 | 87 | $75.8M | 13.64% | 0.05% | 1.23% | 62.0% |
| Q3 2025 | 85 | $75.7M | 13.42% | 0.04% | 1.07% | 66.0% |
| Q2 2025 | 66 | $74.9M | 12.82% | 1.94% | 0.91% | 66.1% |
| Q1 2025 | 65 | $74.8M | 12.46% | 2.02% | 0.96% | 62.4% |
| Q4 2024 | 65 | $73.9M | 12.75% | 1.98% | 0.88% | 68.2% |
| Q3 2024 | 83 | $76.5M | 12.60% | 0.01% | 0.96% | 72.4% |
| Q2 2024 | 81 | $75.2M | 12.32% | 0.19% | 0.98% | 66.0% |
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).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Savings BankBank Marshalltown, IA | 74 out of 100, Strong | $77.9M | 9.9% | 0.00% | vs |
| Sloan State BankBank Sloan, IA | 53 out of 100, Below average | $78.9M | 10.9% | 4.28% | vs |
| State BankBank Spencer, IA | 61 out of 100, Moderate | $74.9M | 8.3% | 0.70% | vs |
| Farmers State BankBank Yale, IA | 90 out of 100, Very strong | $72.6M | 12.0% | 0.00% | vs |
| First State BankBank Nashua, IA | 79 out of 100, Strong | $72.5M | 10.7% | 0.00% | vs |
| First Heritage BankBank Shenandoah, IA | 79 out of 100, Strong | $72.1M | 10.2% | 0.00% | vs |
Deposit insurance
Is my money safe at The Farmers State Bank?
Yes. The Farmers State Bank is an FDIC-insured institution (FDIC certificate #8503). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 10.2% of deposits ($6.8M) 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 13.19%, 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%).
1 location
Branches
The Farmers State Bank lists 1 office in 1 city. Most locations:
- Marcus, IA (1)
Identity & history
Profile
- Legal name
- The Farmers State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 8503
- RSSD ID
- 944748
- Primary regulator
- FDIC
- Holding company
- West Iowa Banc Corp
- Established
- December 28, 1928
- Headquarters
- 106 E Cedar St, Marcus, IA 51035
- Website
- www.fsbmarcus.com
- Employees
- 9
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 #8503). 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?
88 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 The Farmers State Bank ever failed?
There is no failure record for FDIC certificate #8503 in the FDIC failed bank list.
How many branches does The Farmers State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marcus
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of PrimgharBank Primghar, IA | 84 out of 100, Strong | $36.3M | 14.3% | 0.00% | vs |
| Cherokee State BankBank Cherokee, IA | 83 out of 100, Strong | $271.1M | 13.0% | 0.00% | vs |
| The Security National Bank of Sioux City, IowaBank Sioux City, IA | 81 out of 100, Strong | $1.7B | 12.8% | 0.26% | vs |
| Savings BankBank Primghar, IA | 80 out of 100, Strong | $304.8M | 13.6% | 0.32% | vs |
| Midstates Bank, National AssociationBank Council Bluffs, IA | 79 out of 100, Strong | $653.9M | 11.6% | 0.29% | vs |
| Iowa State BankBank Hull, IA | 78 out of 100, Strong | $1.3B | 11.7% | 0.06% | vs |