Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
103 East Second
Pine Bluffs, WY 82082

Farmers State Bank (WY) is headquartered in Pine Bluffs and is the 33rd largest bank in the state of Wyoming. It is also the 6,585th largest bank in the nation. It was established in 1915 and as of March of 2014, it had grown to 7 employees at 1 location. Farmers State Bank (WY) has a C+ health rating.

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Farmers State Bank (WY) has a low asset base.

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 March 31, 2014 Farmers State Bank (WY) had $119,000 in non-current loans and owned real-estate with $2.15 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank (WY) a Texas Ratio of 5.53% which is excellent. 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 (WY) decreased slightly from 7.86% as of March 31, 2013 to 5.53% as of March 31, 2014, resulting in a positive change of 29.58%.This indicates that the balance sheet and financial strength for Farmers State Bank (WY) has improved slightly in recent periods.

Deposit Growth


In the past year, Farmers State Bank (WY) has decreased its total deposits by -$1.12 million, resulting in -5.32% 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 (WY) has shown is below average.



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 (WY) has $21.87 million in assets with $2.15 million in equity, resulting in a capitalization level of 9.83%, which is above average.

Institution Statistics

FDIC Certificate #526
Year Established1915
Primary RegulatorFED
Assets and Liabilities
Assets$21.87 million
Loans$8.86 million
Deposits$19.94 million
Equity Capital$1.93 million
Loan Loss Allowance$220,000
Unbacked Noncurrent Loans$11,000
Real Estate Owned$108,000
Historic Data - March 2013
Assets$22.83 million
Equity Capital$1.77 million
Loan Loss Allowance$258,000
Unbacked Noncurrent Loans$11,000
Real Estate Owned$108,000
Profit Margin - Quarterly
Net Interest Margin3.64%
Return on Assets0.22%
Return on Equity2.7%
Interest Income$165,000

Sorry, we do not have rate data for Farmers State Bank (WY)


Farmers State Bank (WY) Locations
Farmers State Bank103 East SecondPine Bluffs, WY 82082