# FARMERS STATE BANK
CAMERON, MO · FDIC certificate 13897 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $385.4M | |
| Deposits | $343.6M | |
| Loans and leases | $303.5M | |
| Total equity | $31.9M | |
| Loans / deposits | 87.77% (p66 of band) | 82.04% |
| Liquid assets / assets | 18.15% (p25 of band) | |
| Uninsured deposits / deposits | 17.03% (p19 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.34% (p43 of band) | |
| FHLB advances / assets | 2.34% | |
| Tier 1 leverage | 9.03% (p13 of band) | 10.81% |
| Unrealized securities loss / equity | -22.16% (p20 of band) | -8.10% |
| AOCI / equity | -0.41% (p46 of band) | |
| ROA (annualized) | 1.03% (p34 of band) | 1.28% |
| Net interest margin | 3.95% (p53 of band) | 3.91% |
| Efficiency ratio | 64.89% (p61 of band) | |
| Noncurrent loans | 0.51% (p55 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p52 of band) | |
| Reserve coverage of noncurrent | 121.96% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 57.78% (p62 of band) | |
| Auto loans | $5.3M (1.76% of loans; DQ 0.62%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 68 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | capital falling |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 2 | capital falling |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | reserve under noncurrent |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 | liquid assets <10% | reserve under noncurrent |
| 2017-03 | 0 |  | liquid assets <10% |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | capital falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 2 | securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | capital falling |  |
| 2023-12 | 1 |  | capital falling |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity, assets shrinking |  |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

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

- 2026-09-08 [Hawthorn Bancshares Completes Merger with FSC Bancshares - ABF Journal](https://news.google.com/rss/articles/CBMijAFBVV95cUxPekQ1N0k3WWhQQ3VJS0ZVeHYtVFI1d094MnZsazNIZ2o1UlBmZmlwQ0lGMHh2XzVmc2VpY1prMldzZzZQRjN1NWlNcmluUF8tVzBrY3Q0VXJVU1Z6Q09ZNlJYcDV3bTY3WTJ0VHhzR2tZOUZFb3NEVDFpcF9GTGZBQmgycXV1RWdxWmRKag?oc=5) · ABF Journal
- 2026-09-04 [Hawthorn Bancshares Completes Merger of FSC Bancshares and Farmers State Bank - Quiver Quantitative](https://news.google.com/rss/articles/CBMiswFBVV95cUxPNkg2anBLNEE1YVlBM2tTSjFTWXp1Skp5YmxUVUJvb1hacEFmRzFOVllkQWVfSlhJb0xYTkc2WDFDdExjTXBnVkZmUl83ekVCSmZjZllfWkdGX2UzWEJpb3RyV0hPdWR6NGJpdVRsMHNkRmV5YU40N0VMZ25xU2p2ekM0b0J1WVllckVlLU1NbnlCVHA3SHRBSVRrZWw0aFNIZk5Celcxb2JGS3E5UjlhMWJiYw?oc=5) · Quiver Quantitative
- 2026-04-30 [Hawthorn Bank buys Farmers State Bank in cash and stock deal - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxOVEl2ajVYSGxxakVnUGJrMl9ZMTYzYngwVFdVXzZ5dG40N0FrbERTLUZVT2kwX2NGaE1XMlpHX1p6Wk5ITF9ZOW0wLWJCdFRlc3NuZjQ3YmtEZkRmQUotZTF6Y0gzS1pHMmlUb0pEc2xaV0RYNUlEdF9oSks3Mmp6SFRwUE5pVzdhMXQ1MkktMDJhcGJLQ3Z6d1F5dkpXYUxTTWJzaWJWQkNVOGlR?oc=5) · The Business Journals
- 2026-05-01 [Hawthorn Bancshares expands Missouri presence with Farmers State Bank acquisition - KTTN](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOOWRaSC00SkJiVDd1UWVvSUstaVdKUGVOcFNsTzBxQ09TcnJCOHE1OEJpVzhDSlZtWnp0YzVValN6UlEtMTZJMlJVR1ZhZGF1X3BjNFAwS0R4VWNid3dNQWVJcW51NmVQV0tpT3ZFN0FLMGN1TXkzWXNoM0gxMThNNGNhcUNfOWg3cTdObHMyd09yNnJCQVZZNGF0ZnI2c0VJdUFIbVpZQlJpbEU?oc=5) · KTTN
- 2026-04-29 [Hawthorn Bancshares, Inc. Expands Missouri Presence with Acquisition of FSC Bancshares, Inc. - GlobeNewswire](https://news.google.com/rss/articles/CBMi8gFBVV95cUxPOC05NS1jZEpjc3Z0b0hKUVJJa1BSQlF1MFlSWkVlOUFRV1dYbDJUQkFBR2lZcl8wU1Y5azZNX2ltcENnVmRYcC1tWng1TklCSW50LUhHNm9ST25GaktoZThuRjVBdjljYXF2UVEzZ3pOOWJZUGRlTjJ6d1Vmb0F2eUhqS2Zvel85eXJmNnlPQmtzQ0ZERHpfdHlON0NsUFR2LURfQzNXejdnajcwU0NTZHRzeFotd2x1NVNfUFhKX2JKRUxpQWZfS1NMbThERDJlNXMzbEhNOU5DdzZ3aEV4SFN0ckpOTDlNS0luMnFKUkZRZw?oc=5) · GlobeNewswire
- 2026-07-17 [The Kansas Office of the State Bank Commissioner closed Small Business Bank in Lenexa on Friday - KSHB 41 Kansas City](https://news.google.com/rss/articles/CBMizAFBVV95cUxQOXdYZFhCTUh4UFdsOThrT2VKTFRnb0x6WTZhNXllaUdJdEVJZjJmMmdpdXB1bEMybGUxcXozUi1ybmFKbmNDNGZWaW9rMlM5UFF1QXd4aVpjUDVoM1Z2aGlxV0doM1dPV1NzeXMwS3UyTlViaGVpRWFQTFNId1lEUEhfamxTV1ZCallXZ1AyTDRDX1Z4cVBiQnJNZTY5VmxwTGRtZ2M5Nk9IRlAyTkYwTVRpd2V3Z2REOWNnMUp5RUU2RTBxNW9NM3V3QUM?oc=5) · KSHB 41 Kansas City
- 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
- 2024-11-20 [Farmers State Bank announces new CEO - Corridor Business Journal](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbUt4QjRLMmhJM0x5bWtsTEpYaFZUSDhhUXRJd3ZEcHJZSWFMbHlQaFJITFVWUFFYZXY3S2F3VlhvMC01aGl1NTBybjlTSzAwWFAwYmd4Wi1TN0dSXzNZTnRhRGZyT2tTODJIZUV4NDdaM1lNbDJkZU1YSUJ1SlVfbV90YWNabGNVSzFwLWtiZ1RtOGllWkF5aV9ZY1h0MzJ2N0E?oc=5) · Corridor Business Journal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13897 (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/9.json (key "13897", 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