# FARMERS STATE BANK
EWING, NE · FDIC certificate 10652 · asset band <$300M · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $21.3M | |
| Deposits | $15.5M | |
| Loans and leases | $12.4M | |
| Total equity | $4.6M | |
| Loans / deposits | 79.57% (p59 of band) | 74.58% |
| Liquid assets / assets | 41.40% (p68 of band) | |
| Uninsured deposits / deposits | 8.78% (p26 of band) | 14.02% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 5.54% (p69 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 21.59% (p96 of band) | 10.79% |
| Unrealized securities loss / equity | 0.00% (p7 of band) | 2.02% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | 1.25% (p73 of band) | 0.86% |
| Net interest margin | 3.25% (p28 of band) | 3.65% |
| Efficiency ratio | 44.31% (p4 of band) | |
| Noncurrent loans | 0.65% (p49 of band) | 0.67% |
| Net charge-offs (annualized) | 0.00% (p37 of band) | |
| Reserve coverage of noncurrent | 169.14% | |
| Real estate % of loans | 35% | |
| Construction % of loans | 0.00% (p7 of band) | |
| Auto loans | $427,000 (3.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.1% | |
| Employees | 3 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 1 |  | wholesale funding >15%, capital falling |
| 2012-03 | 0 |  | loans exceed deposits |
| 2012-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2012-09 | 1 |  | wholesale funding >15% |
| 2012-12 | 0 |  | loans exceed deposits |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | assets shrinking |  |
| 2013-09 | 2 | loans exceed deposits, wholesale funding >15% | assets shrinking |
| 2013-12 | 1 |  | wholesale funding >15% |
| 2014-03 | 0 |  | loans exceed deposits |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | capital falling |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-08 [Abby Whewell named vice president of Farmers State Bank - Jacksonville Journal-Courier](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOS0tNTHhlZHBpR2dJTzBqUGtFb0FkYURFRVdNVnNjdEg3UUlpWmRBZXRyTU1MbE80aDRoRko3N0RfS3RRZnJMeEdJUDFVdFhfeDlqbDlFQ01hMGNoOXBNOUJOZ0k1SndRSGlhM1dQeHBqTEVIYWhoWm5idnVVaWNoc1Jib3ctVTU5d1NibFBWRmdoQ1pVSi1lbGtrSFlaLWs4bzVDd1FUekk?oc=5) · Jacksonville Journal-Courier
- 2026-07-18 [State regulators shut down Lenexa bank; reopens Monday under new name - KCTV](https://news.google.com/rss/articles/CBMipAFBVV95cUxNV0N0eXUzQlQ2cE1Pb1pReFMzZEwwbnNuelNkV24yVmwtU2pINGNaMGkxUFJ6d1hlY1JIWGtFYjFHajNFWV9Td3liYWFoRERFRVlhSVRtTVJxakZJRmc0TVFjYm1teGItV3BXYUZhMENMLUtROXFQZlhzdDFuaVdya0lkbnZQYV9MUndfLXNIQnlCMUNjTHBPMHF2ampFc1V2ME9IZdIBuAFBVV95cUxNUG9pY0NnTk11U0IxMmJfNTBSakNQM3E5aHNGWGhlVzRMaHZjbU9jbUxoczcyQjFPV2hsbmVjTF9fdUZleGkxQTVTRG9HTkFaUmxHRHFTYll2NE9tcGM1amlHX2p0SUVPTFRReHExekVZdkdwNHl2YldMaUhkRy1Jc3FGTXd1WW5LSFZnVFZGbnVUQVZjUlJjbmZVT2o3bjNwWEFHck0zNjBHWW1mNDdVeXV0Z2pHV0U1?oc=5) · KCTV
- 2026-08-28 [The Pigskin Preview is HERE, and here’s where you can get yours! - 580wibw.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYU96UEtxempwVHlZaFo5R0dwdjRXeVhZdThORVVWcDc1bU5wMjJlQ3o0X3FJM29hdUh3cXpPSXh4TzBOcmdDVlpscHVlaC0xdDhXQ1Q5eGhyUmpBTEFYODVGakVManNKdi1idXhwOHNYN25yTTd2djNGNUZLUGJvNXRsV2cwU0UxTUU1eDQ4RQ?oc=5) · 580wibw.com
- 2026-02-10 [AtlasClear Holdings Enters into New Share Purchase - GlobeNewswire](https://news.google.com/rss/articles/CBMimwJBVV95cUxPU2pXMkVVeWFBeGI1UFRpVG9KTGQyb2FaWkNzeThjQU1yWU1Ld3lYb1UzM25wV25Fc3ZkV2tmME9WbFMtZEtjSFNWbWdWU2VZVTgzR3pnT0xyREFPLTZYcm55YW85T2REdmxMeHk5ek0xYmFPN0dZS2J6LWhzQmxXQlVLeDBNWHJSQUtjb3gyV1BnNXFMOG1lb0duRFktVmRpb3Iwc3RJeTNveWo0c2NGZmJTcEJDVXFpMm5WZGppSkJ3WDNCWVFsVVdTMWFzVFd6dkRRMjNmNnRnYXR5R1lLX1J3RXVrS0Q5VmE0Z1ltZ08ydkN0VjU0OU1BS3NEdTNvSjR3QnlWZEd6MU9Ia0VBcXJ0cjZXRDdpUVA0?oc=5) · GlobeNewswire
- 2025-10-24 [Guaranty State Bank & Trust Co. Announces Appointment of New President/CEO - Concordia Blade Empire](https://news.google.com/rss/articles/CBMirgFBVV95cUxNVUFrT2k5TVlBQ2s1elcxblVjN3hOWVE5eXN5Ml9aRUhIWnhiN2ZmRU9LcjBuM0NOYTRpUmFkZHhqUVhYUV9Mb3dCeVR2Vy1sN3djUmdwSnozd2xSRFFxcTRrREtIQVkxT3dDbVdTSU45YVJJSDJnYnNTcXM1YURob3F3SC1BMVdtcHk1a2N3WjZPbmhKMzZoOHVCQmo5WXRhcTlsdWkwNDZMQnVnQlE?oc=5) · Concordia Blade Empire
- 2026-05-15 [Farmers State Bank uses agentic AI to deliver digital convenience without losing the personal touch - IBM](https://news.google.com/rss/articles/CBMipAFBVV95cUxOemJGeG5LcUgzUkY4T3JqaXF4Q3ljV04yeTRuMWFySW5SdmNVTzNLOUxFTVNqYkd2S2V0N21fVm1oMjFGWktnZXFFOEE5UUYydjc4YS1leUNzZkZ1V2Vna3o5S2RlZzBCVnFhcGNNcmZWYlU1UlI0OXlBOGdOMkhQdlJ0MzU5aW16dnhqRGxXTkdTdVN4OFZ6Z0JqSnQ3azg2RG12bw?oc=5) · IBM
- 2024-11-20 [Farmers State Bank announces new CEO - Corridor Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbUt4QjRLMmhJM0x5bWtsTEpYaFZUSDhhUXRJd3ZEcHJZSWFMbHlQaFJITFVWUFFYZXY3S2F3VlhvMC01aGl1NTBybjlTSzAwWFAwYmd4Wi1TN0dSXzNZTnRhRGZyT2tTODJIZUV4NDdaM1lNbDJkZU1YSUJ1SlVfbV90YWNabGNVSzFwLWtiZ1RtOGllWkF5aV9ZY1h0MzJ2N0E?oc=5) · Corridor Business Journal
- 2022-12-07 [Farmers State Bank elects Kayla Warren to Board of Directors - trine.edu](https://news.google.com/rss/articles/CBMiXkFVX3lxTE40VHFyYkdZbW1sYTcwZnJyTkEteVJJaDVCazJmWGFaWkxONzhHMnpmUDlGbG5DM0MzRk1OeE5RY0gtbnNaQmtkZ0VQeXpuNXZzeGdVQ2t2QklxalpfakE?oc=5) · trine.edu

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10652 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/28.json (key "10652", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide