# FARMERS STATE BANK
PINE BLUFFS, WY · FDIC certificate 526 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 (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 | $35.4M | |
| Deposits | $31.2M | |
| Loans and leases | $16.5M | |
| Total equity | $4.0M | |
| Loans / deposits | 52.33% (p22 of band) | 73.59% |
| Liquid assets / assets | 52.49% (p81 of band) | |
| Uninsured deposits / deposits | 14.81% (p31 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.85% (p37 of band) | 11.76% |
| Unrealized securities loss / equity | -0.42% (p84 of band) | -6.57% |
| AOCI / equity | -0.05% (p67 of band) | |
| ROA (annualized) | 1.10% (p46 of band) | 1.17% |
| Net interest margin | 4.67% (p82 of band) | 3.93% |
| Efficiency ratio | 70.34% (p61 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 79% | |
| Construction % of loans | 51.91% (p80 of band) | |
| Auto loans | $476,000 (2.88% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 9.1% | |
| Employees | 6 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, expense ratio p90 |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 3 | capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | leverage <7% |  |
| 2012-06 | 3 |  | capital falling |
| 2012-09 | 2 |  | losing money |
| 2012-12 | 1 | uninsured deposits leaving | expense ratio p90, leverage <7% |
| 2013-03 | 3 | leverage <7%, losing money, expense ratio p90 | uninsured deposits leaving |
| 2013-06 | 7 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 4 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2013-12 | 4 |  |  |
| 2014-03 | 3 | charge-offs p90, deposits shrinking, uninsured deposits leaving | leverage <7%, losing money, expense ratio p90, capital falling |
| 2014-06 | 2 |  | charge-offs p90 |
| 2014-09 | 3 | assets shrinking |  |
| 2014-12 | 1 | expense ratio p90 | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2015-03 | 4 | leverage <7%, capital falling, losing money |  |
| 2015-06 | 2 |  | leverage <7%, capital falling |
| 2015-09 | 3 | charge-offs p90 |  |
| 2015-12 | 6 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2016-03 | 0 |  | expense ratio p90, losing money, charge-offs p90, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | capital falling, uninsured deposits leaving |  |
| 2018-12 | 3 | expense ratio p90, deposits shrinking | capital falling |
| 2019-03 | 2 | losing money | uninsured deposits leaving, deposits shrinking |
| 2019-06 | 6 | capital falling, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-09 | 6 |  |  |
| 2019-12 | 4 | securities losses >30% of equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2020-03 | 3 |  | securities losses >30% of equity |
| 2020-06 | 0 |  | expense ratio p90, losing money, capital falling |
| 2020-09 | 0 |  |  |
| 2020-12 | 1 | uninsured deposits leaving |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | uninsured deposits leaving |
| 2021-09 | 1 | uninsured deposits leaving |  |
| 2021-12 | 0 |  | uninsured deposits leaving |
| 2022-03 | 1 | uninsured deposits leaving |  |
| 2022-06 | 0 |  | uninsured deposits leaving |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | uninsured deposits leaving |  |
| 2025-12 | 0 |  | uninsured deposits leaving |
| 2026-03 | 0 |  |  |
| 2026-06 | 1 | capital falling |  |

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

- 2026-04-13 [AtlasClear Files to Buy Farmers State Bank Parent Commercial Bancorp - PYMNTS.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPWENybV9JUFpzYVZBSndTbGRCRFBYTjBHQ1pxcldPUEZFMlR5MTk5cERaNnJBb01WMDZ2eUVTMFRNNnRqdGtFa3hwbVlDNFJJVzdjdXNyazNEX3l5dzVqMVh0c1pEUjYxNk0tRHFIb0xlMmZsQWduRjhiRS1RRzNmQjI1R3Rta01MaHZiQ1VWN1hLZVhjdE01eVlhbXRHdWFtZVk2bl9BN1VQSlJxVWFN?oc=5) · PYMNTS.com
- 2026-02-10 [AtlasClear Enters New Share Purchase Agreement to Acquire Commercial Bancorp - ABF Journal](https://news.google.com/rss/articles/CBMipwFBVV95cUxNRkVrQ0xZSk44UWk5TzdDTUwwdU5USUNTMTdoczJfX2ZLSzZlaHBNWm9zVzRleFliV19oVmpEZHhJTnV1eWFPbzRkcE45RXQxdE0wWW5ZMGVTb0tnOHpILXozTVlMZWZtUVljY2xYd3FSaEE5WFF5NWltckVpZ3NUVTdLZDF6bWlXRTl1RGgyaGNQT0N4OWhkN3dFUUg4OVppdDZOWnJIbw?oc=5) · ABF Journal
- 2026-02-10 [AtlasClear Holdings Enters into New Share Purchase - GlobeNewswire](https://news.google.com/rss/articles/CBMimwJBVV95cUxPU2pXMkVVeWFBeGI1UFRpVG9KTGQyb2FaWkNzeThjQU1yWU1Ld3lYb1UzM25wV25Fc3ZkV2tmME9WbFMtZEtjSFNWbWdWU2VZVTgzR3pnT0xyREFPLTZYcm55YW85T2REdmxMeHk5ek0xYmFPN0dZS2J6LWhzQmxXQlVLeDBNWHJSQUtjb3gyV1BnNXFMOG1lb0duRFktVmRpb3Iwc3RJeTNveWo0c2NGZmJTcEJDVXFpMm5WZGppSkJ3WDNCWVFsVVdTMWFzVFd6dkRRMjNmNnRnYXR5R1lLX1J3RXVrS0Q5VmE0Z1ltZ08ydkN0VjU0OU1BS3NEdTNvSjR3QnlWZEd6MU9Ia0VBcXJ0cjZXRDdpUVA0?oc=5) · GlobeNewswire
- 2025-10-09 [Farmers State Bank Agriculturist of the Month Todd Fornstrom Premium Hay Products - Pine Bluffs Post](https://news.google.com/rss/articles/CBMixAFBVV95cUxNS0pTRWU1ZUNqWXRBeE1iTjhrd0EwTnA3eHZ2THFHbWxGWXpDNjd4YU9nUG5YRGYzdFlreFhQTVNFcDdETGd3RV9qWlkzczY1cjdreDRacmZldFZiTnVPb01mZXFVSm0yMC1Xa01iVGpQWFB6SXJQd01TWnQ2bFJnR1hhZlJTUndiSjNfTkk4TW5yS0VpVjNmeHZuV29pNUw5bm5yOC1aWjJnUEJtbG1rcVJxOURyMkV6QklTZkJQZ184dEs0?oc=5) · Pine Bluffs Post
- 2023-08-22 [Why private investors are scooping up small banks - American Banker](https://news.google.com/rss/articles/CBMijgFBVV95cUxNenNpcUxXNDktUWpwZ0Z5ajhmNWQ4SlV1SVdseV9xWFdlemFDVy1oczJkSVJlbzc0ZzBkeWRSaW9nYkdLdExiZmw0dmtjSVpMZXBzVmREUUhoUWFEd0FReDlBTURsR251LTlDTWl4Skp0VkJiMXFEMTFISUFxZGNlcEtxZGNMNkhENFdmU0x3?oc=5) · American Banker
- 2021-04-02 [2 former CBT bankers banned from industry - County 10](https://news.google.com/rss/articles/CBMicEFVX3lxTE5kdlJmRGwtM2p2OHVRWTdRMEhqM1h5TVJVLWtlV3J6azYtN0VvaW5Uc25qY0NBMFdEUHlxM0ZEOElUQk91QzBlWW5TeXRvZk1uMlNKcDFfS2dJaW5MN2VkVGhqWEtWNG4zWEZ1Yy1BTkg?oc=5) · County 10
- 2026-02-10 [AtlasClear revises deal to acquire Commercial Bancorp with equity focus - Investing.com](https://news.google.com/rss/articles/CBMixwFBVV95cUxQX0pYRmlIbTFfRUFMN0l5RGFaNGtLTnBFelRjLVZLWXdIQ2VUWFBJemRlY2ROUGtmN2M1Tlp4Mlpfb2N3NWFJWEwwWnZQVVBfRENLb1lrZm5CWVNzcXk0TDJzTk11U21wU19CWURCNmZmUUNJdEdQd0FSSHh5aFcweUJUeWZHWl95ZVlsekpIQjNmMFNUXzJHR0pDWVFLcHBzeEZlUlotZHFWeUEzZl9lZXdXRFBuZ3FRd0ZmRWFVZElERVI2aUJv?oc=5) · Investing.com
- 2026-04-13 [AtlasClear Holdings Files Regulatory Applications to Acquire Commercial Bancorp, Parent of Farmers State Bank - GlobeNewswire](https://news.google.com/rss/articles/CBMijAJBVV95cUxNeVV0eW5MNmM5blRmWDNIVTdZcVZYY1JWdndYNzVqT05FRHVRaFdqR05hVlBYekplM1Z2T21VeUNJOTQ1T2NFcDNKdUQ4Qlk0NEZDOGhKWG1YOGJ2aE00STRUM2RXSFZaNFlTRE1pNXY1a3Z2bVNNc1JtbHhwMTAwakpIR1pQeEhYcFZVMk55UExlU0ZTeGJxLVNpX3Y4cGpFaVI1VDRnbW9aRGxoeERxc2tibElYRnlYZml2MEI5YkxhZjhvbjlEOE0tLTY2NTRNWmhtdjVMQVhhZmtVOUJmTUlmU2xvTzZyZXoyQ2JmdFJEcEt4aTQ2anVIdW1mVF9VTVJwSnFUamdRcWdn?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=526 (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/14.json (key "526", 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