Farmers State Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Farmers State Bank opened as a Locally Owned, Independent, Community Bank and that still holds true today. Farmers State Bank has deep roots in banking and strives to keep its independent operated business focused on helping its community grow and remain prosperous.

Farmers State Bank offers various types of lending products, from typical consumer loans, to the purchase of your first home. The bank also offer access to the secondary market for your home loans needs with short and long term fixed rate financing, as well as in house products to purchase or refinance anything from bare land to a second home.