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103 Main Street
Victor, MT 59875

Farmers State Bank (MT) is headquartered in Victor and is the 12st largest bank in the state of Montana. It is also the 1,995th largest bank in the nation. It was established in 1907 and as of June of 2014, it had grown to 118 employees at 8 locations. Farmers State Bank (MT) has a B+ health rating.

Reviews (1)

Bad Business Practice

This bank really messed up my life. My family and I were selling our home to move overseas to work as missionaries in South America. With just 3 hours to go before our departure, all we had to do was to go to closing and sign the paperwork. We went and signed the paperwork. As soon as we finished, we learned that Farmers State Bank had changed their mind and decided not to fund the buyer's loan. I had quit my job, moved out of my house, purchased plane tickets and shelled out thousands of dollars in fees to meet the requirements in the home inspection that was paid for by the former PREAPPROVED buyers. Thankfully, my former employers were glad to have me come back to my job to work.

When confronted, Farmers State Bank did not accept responsibility for the actions that they took that ruined my life. I tried to recoup some of my losses from them to no avail. Unfortunately, this whole process has left us broke and unable to sue them. My hope is that you will not fall victim to the same tactics that they used to ruin our lives.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Farmers State Bank (MT) had $10.06 million in non-current loans and owned real-estate with $36.31 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank (MT) a Texas Ratio of 27.72% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Farmers State Bank (MT) decreased dramatically from 41.06% as of June 30, 2013 to 27.72% as of June 30, 2014, resulting in a positive change of 32.50%.This indicates that the balance sheet and financial strength for Farmers State Bank (MT) has improved dramatically in recent periods.

Deposit Growth


In the past year, Farmers State Bank (MT) has increased its total deposits by $9.18 million, resulting in 3.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers State Bank (MT) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers State Bank (MT) has $330.37 million in assets with $36.31 million in equity, resulting in a capitalization level of 10.99%, which is above average.

Institution Statistics

FDIC Certificate #342
Year Established1907
Primary RegulatorFED
Assets and Liabilities
Assets$330.37 million
Loans$142.88 million
Deposits$287.61 million
Equity Capital$34.12 million
Loan Loss Allowance$2.18 million
Unbacked Noncurrent Loans$3.64 million
Real Estate Owned$6.43 million
Historic Data - June 2013
Assets$316.41 million
Equity Capital$30.99 million
Loan Loss Allowance$3.62 million
Unbacked Noncurrent Loans$3.64 million
Real Estate Owned$7.41 million
Profit Margin - Quarterly
Return on Assets0.64%
Return on Equity6.31%
Interest Income$5.34 million

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Farmers State Bank (MT) Savings Account Rates

0.25%--SEP IRA
0.25%--Roth IRA
0.25%--Coverdell Education Savings
0.05%--Regular Savings
0.05%--Business Savings
0.05%--Community Savings
0.05%$10k-HSA Checking
0.01%--Transaction Savings
0.01%--Medical Savings

Farmers State Bank (MT) Money Market Rates

0.15%$100k-Money Market Checking
0.08%$100k-Transfer Money Market

Farmers State Bank (MT) Checking Account Rates

0.05%$25-Legacy Club Checking
0.02%$25-Super Now Checking

Farmers State Bank (MT) CD Rates

1.25%$1k-5 Year CD
0.70%$1k-3 Year CD
0.50%$1k-30 Month CD
0.38%$1k-2 Year CD
0.30%--5 Year Investment Club CD
0.28%$100k-Negotiated CD
0.25%$1k-18 Month CD
0.18%$1k-12 Month CD
0.12%$1k-182 Day CD
0.08%$1k-91 Day CD
0.05%$500-30 Day CD

Farmers State Bank (MT) IRA Rates

1.25%$1k-5 Year IRA
0.70%$1k-3 Year IRA
0.50%$1k-30 Month IRA
0.38%$1k-2 Year IRA
0.25%$1k-18 Month IRA
0.18%$1k-12 Month IRA
0.12%$1k-182 Day IRA
0.08%$1k-91 Day IRA
0.05%$500-30 Day IRA

Farmers State Bank (MT) Locations
Farmers State Bank103 Main StreetVictor, MT 59875
Lolo Branch11000 US Highway 93 SLolo, MT 59847
Hamilton Branch1950 North 1st StreetHamilton, MT 59840
Missoula Branch3130 N Reserve StreetMissoula, MT 59808
Florence Branch5501 Old Highway 93 NorthFlorence, MT 59833
725 Main Street Branch725 Main StreetStevensville, MT 59870
Darby Branch805 South MainDarby, MT 59829