Farmers State Bank (MT)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

farmersebank.com

406-642-3431

103 Main Street
Victor, MT 59875

Farmers State Bank (MT) is headquartered in VICTOR and is the 9^th largest bank in the state of Montana. It is also the 1,353^rd largest bank in the nation. It was established in 1907 and as of March of 2025, it had grown to 132 employees at 11 locations. Farmers State Bank (MT)'s money market rates are 8X the national average, and it has a B+ health rating.

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Health

B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	342
Year Established	1907
Employees	132
Primary Regulator	FED

Profit Margin
Return on Assets - YTD	0.88%
Return on Equity - YTD	15.21%
Annual Interest Income	$9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$716.9MM$733MM
Loans	Q1 2025vs Q1 2024	$465.9MM$460.8MM
Deposits	Q1 2025vs Q1 2024	$629.9MM$600.1MM
Equity Capital	Q1 2025vs Q1 2024	$44.5MM$35.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$6.5MM$6.6MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$2.8MM$2MM
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers State Bank (MT) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.03%	$0	-	Regular Savings
0.03%	$0	-	Business Savings Account
0.03%	$0	-	Community Savings
0.03%^*	$10k^*	-	HSA Checking
OTHER TIERS: 0.01% → $0 - $2k \| 0.02% → $2k - $10k
0.01%	$0	-	Medical Savings
0.01%	$0	-	Telephone Transfer Savings

Farmers State Bank (MT) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
3.66%^*	$1.5m^*	-	Platinum Money Market
OTHER TIERS: 0.55% → $0 - $100k \| 1.00% → $100k - $250k \| 1.31% → $250k - $500k \| 1.66% → $500k - $1.5m
0.07%^*	$100k^*	-	Money Market
OTHER TIERS: 0.03% → $0 - $50k \| 0.05% → $50k - $100k

Farmers State Bank (MT) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.03%	$0	-	FSB Legacy Secure Checking
0.02%	$0	-	FSB Personal Interest Checking
0.02%	$0	-	Business Super Now

Farmers State Bank (MT) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.05%	$1k	-	5 Month CD Special
3.86%	$1k	-	10 Month CD Special
3.40%	$1k	-	20 Month CD Special
3.30%	$1k	-	12 Month CD
3.28%	$1k	-	182 Day CD
2.02%	$1k	-	3 Year CD
2.02%	$1k	-	5 Year CD
1.76%	$1k	-	2 Year CD
1.27%	$1k	-	18 Month CD
1.00%	$0	-	5 Year Investment Club CD
0.50%	$100k	-	Negotiated CD
0.40%	$1k	-	91 Day CD
0.30%	$500	-	30 Day CD

Farmers State Bank (MT) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.30%	$1k	-	12 Month IRA
3.28%	$1k	-	182 Day IRA
2.02%	$1k	-	3 Year IRA
2.02%	$1k	-	5 Year IRA
1.76%	$1k	-	2 Year IRA
1.27%	$0	-	IRA
1.27%	$1k	-	18 Month IRA
0.40%	$1k	-	91 Day IRA
0.30%	$500	-	30 Day IRA

Locations

Farmers State Bank (MT) Locations
Farmers State Bank	103 Main St	Victor, MT 59875
Lolo Branch	11000 US Highway 93 S	Lolo, MT 59847
Hamilton Branch	1950 North 1st Street	Hamilton, MT 59840
Missoula Branch	3130 N Reserve Street	Missoula, MT 59808
Florence Branch	5501 Old Highway 93 North	Florence, MT 59833
725 Main Street Branch	725 Main Street	Stevensville, MT 59870
Darby Branch	805 South Main	Darby, MT 59829
Helena Branch	2125 N. Last Chance Gulch	Helena, MT 59602
Kalispell Branch	120 Hutton Ranch Road	Kalispell, MT 59901

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