# FARMERS SAVINGS BANK
MINERAL POINT, WI · FDIC certificate 13025 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $461.2M | |
| Deposits | $404.0M | |
| Loans and leases | $231.2M | |
| Total equity | $49.8M | |
| Loans / deposits | 56.63% (p10 of band) | 82.04% |
| Liquid assets / assets | 48.59% (p91 of band) | |
| Uninsured deposits / deposits | 22.88% (p39 of band) | 25.97% |
| Brokered deposits | 0.22% | |
| Wholesale funding | 1.37% (p37 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.24% (p59 of band) | 10.81% |
| Unrealized securities loss / equity | -4.19% (p67 of band) | -8.10% |
| AOCI / equity | -1.36% (p15 of band) | |
| ROA (annualized) | 1.75% (p78 of band) | 1.28% |
| Net interest margin | 3.05% (p11 of band) | 3.91% |
| Efficiency ratio | 52.85% (p24 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 2185.32% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 26.88% (p33 of band) | |
| Auto loans | $752,000 (0.33% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.2% | |
| Employees | 56 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 0 |  | capital falling |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | capital falling |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | securities losses >30% of equity |  |
| 2022-12 | 1 |  | NIM <2.5%, securities losses >30% of equity |
| 2023-03 | 2 | deposits shrinking, uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 4 | securities losses >30% of equity, deposits shrinking, assets shrinking |  |
| 2023-12 | 0 |  | uninsured deposits leaving, securities losses >30% of equity, deposits shrinking, assets shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-07-12 [Bank CMG Acquiring Farmers Savings Bank - Pulse 2.0](https://news.google.com/rss/articles/CBMia0FVX3lxTFBYY1N0WXcwd0o4S3l4Q05qeHk2di1xLUlmOVp6RDVIeVp0Zjg5T0pnMG50SFBNZkxkMzllOEJ4aTBMNmhfZzBtN1FuY2c5bXVUX1ZnelpuUHBGUTl1eHlvd3ZFUFZRS1VtSDh30gFwQVVfeXFMUEtfd2Nialh6eHRaMzBDNHlUTkdlWjNiclcwNlhIQnBsdUYyZXBNeF9GeWJ4RFpPOGdYWHVBSUcxME1DcS11cUp6akNiRHZfQkRfWG1BRm50bGJRQ2ExZXVjbkY4a3o5bVhCRnhsWTJ5bA?oc=5) · Pulse 2.0
- 2025-11-06 [Civista Bancshares Completes Merger with The Farmers Savings Bank, Expanding Community Banking Footprint in Northeast Ohio - PR Newswire](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQYzZRT3p4TVhFUFhLT2R5Qzhoc095SWdwMXpIbjZKUEtBcmp5bG9pdHRmcWhtOTQ3Q3VSX0FXaVNCWEV1dXp0ZjZuRW1VSVFxal9UZl9PTVNkT0s4c1hpTGdCb01KRGNNR1RQNlV5WjdOTXdRUWtxRWs1dVpIVEc2aXg2R1lNU2RlMDI3bWp1Mmd6aTQ0VVZucDltd2F6MV9lckRlVnQ0QkluU0dVODlPRVB5Z2t5MHlURXd1R2RTdjV2V0ZSRm4wamcteTJuN1hEWFdaZkJUSjV6T25oZlVWLVNaRkNnbDVWQk5JUWx6amM2M2hUaG5SbzhjTENxWlRFdlI0MUdNdmw?oc=5) · PR Newswire
- 2025-10-24 [Trailblazer Darlys Hulme marks 65 years in banking - Sun Courier](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPMUhmNG9BVlFvZUdOZjZJaDRSelpGUFJ3WWVUZ3lfSzZMSFdld3llUnBzbTBHcTJHaXgyOGdtR2RvNVZ0bzFCcl9DQ002UnN5NHV1UkRJRHJhUi1rX3hPYzZteDVnclBVWE1lSHJGZF82MXNQZzVuVUhmcFVUNDFfeU14YmlSVTBydUVwNC0yWmJJT29hN0twREtYTUtuRUJBa1FQU1VCd29XUQ?oc=5) · Sun Courier
- 2025-10-01 [Greenwoods State Bank Announces Name Change to Bank CMG, Expands Financial Solutions for Customers - newswire.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxOMHBYTkdWVEFXN3p1OTcwVFdMMTFpVXhlaW9QazQyNGJIUHcyTmQ0U1prWWNUMUZjLTF0VkMxalRBX2l4el9WUG9kU1diOVItbnBUSkhka053amNLRU9qejU4VGdHbTNSTi1FY0xyZU42eVhwenBYRFhFcWRqN1o3RGdrS1BIUkFGRHVCQlJDWXoxYUo4WjJYU2JRdW8ySmkwb2pJNA?oc=5) · newswire.com
- 2026-01-21 [The Best Savings Accounts in Wisconsin for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiekFVX3lxTE9EQWV1MHFhc1dKajMxcllDSzhHNWRLQVVwTkVaV1g0UmtnNUlibTAzTWhILURjRUpvdk1xdjR0YlRNSU9rU0M3Y0xZeWJnbEVYSDZCQUE5X2d3N0ZzRVFiMnB4bTFhTmVQeHhXNnJEb2hZM3N0ZlBWLXp3?oc=5) · MoneyRates
- 2018-02-27 [Officials seek dangerous bank robber armed with knife - channel3000.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPWWNNM1lMamJhWTNxazhBWWlYLTlUUUh3ZUliY2ZBU3Z6eTdrSkJaNmM5MjJmZWd1TDdwOTZ2RzNaaHNZTUYyMGJseXMyamQyUi05YkdUWUE4MFdZRllaUU1yYnBiY2ppQUowbm9aUkdFWjlvSVd4MDFubUlOTmtfbkFRVHpibS1BUTFpSW9OcGs1TFdMSEVIM3ZBWXFBWENzWmt1aVE5clBQa2NNekxuQXVGOEp5Sy1iTl9PRGc4WkJrQ1phMm9LQVBOLUxSM1g1c1BXZ2d1UTVmdw?oc=5) · channel3000.com
- 2021-01-03 [Mary Jo (Josephine) Ceniti Obituary Jan 3, 2021 - Gorgen Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5oajFmNDJNQ2x4bEdRdVhvWFhDbkZlYjRqMFZTeGpacmszem1MTkRLSTNSbnFxb1ZER2JKV1JiSzVYa0FGYnRWUzlDeG5LMVZEVjdwOC14SVRWY3VwRE81RGJsRkxyVUdk?oc=5) · Gorgen Funeral Home
- 2023-02-22 [Laurie Wallace Obituary (2023) - Mineral Point, WI - Madison.com - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxObFNIR2RFZkRqNW13MlVudjdiS3FjV3ZLTDVNdWNMTFE2NnY2RG1Jb0hvVWo3ZnliOTlPRFRrT2otYjFXQW1rV0E2Y0Y1ekdvY2J0YlVCVXdCYWlTSncyenp4Nll5VXBseG84ODRHQlZVNXp4b3AyNUwtZ3F2R3NTWWJiNTBWMTcwVGRYSTN3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13025 (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/33.json (key "13025", 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.

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