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Farmers State Bank of Trimont

Trimont, MinnesotaFDIC Cert #1929

STATEEstablished 19122 branches

Holding company: FSB HOLDING CO INCRegulator: FDIC

FDICCERT + OFFDOM

What's happening here

As of Q1 2026FDICCall Report

Farmers State Bank of Trimont reported $72.4M in total assets. Deposits grew 3.50% over the prior year.

Return on assets was −1.83%, compared with the official FFIEC UBPR peer median of 1.10%. The leverage ratio was 16.35%.

  • Why is Return on Assets below its official FFIEC UBPR peers?
  • Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
  • Why is Efficiency Ratio below its official FFIEC UBPR peers?

Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.

Latest reported quarter

Key metrics

Assets
$72.4M
−2.4%y/y
Percentile by value42nd percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICASSET
Deposits
$60.4M
+3.5%y/y
Percentile by value39th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICDEP
Net loans
$43.2M
+1.3%y/y
Percentile by value55th percentileby value
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICLNLSNET
ROA
−1.83%
−338 bpsy/y
Peer standing3rd percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNETINC + ROA
Efficiency
47.13%
−234 bpsy/y
Peer standing91st percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICNONIX + NIM + NONII + EEFFR
Leverage
16.35%
−19 bpsy/y
Peer standing88th percentile
Peer standing in FFIEC UBPR Peer Group 7 — Insured commercial banks having assets between $50 million and $100 million
FDICRBC1AAJ

Percentiles compare this bank with 329 ffiec ubpr peer group 7 — insured commercial banks having assets between $50 million and $100 million.

Side-by-side comparison

Farmers State Bank of Trimont beside its official FFIEC UBPR peers

The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.

FFIEC + FDICUBPR membership + Call Report metrics
ROA

This bank

−1.83%

Registry median

1.10%
ROE

This bank

−12.49%

FFIEC trimmed average

9.16%
NIM

This bank

3.78%

Registry median

3.93%
Loans YoY

This bank

+1.26%

FFIEC trimmed average

+4.28%
Leverage

This bank

16.35%

FFIEC trimmed average

12.35%

FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.

FDICCall Report

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$70.2M$57.3M
Q3 2021$72.6M$58.5M
Q4 2021$76.9M$62.9M
Q1 2022$71.6M$60.8M
Q2 2022$71.6M$61.3M
Q3 2022$73.1M$60.6M
Q4 2022$82.2M$64.1M
Q1 2023$75.8M$65.2M
Q2 2023$77.2M$66.5M
Q3 2023$79.1M$68.7M
Q4 2023$83.9M$65.8M
Q1 2024$78.8M$67.1M
Q2 2024$78.4M$63M
Q3 2024$76.4M$60.1M
Q4 2024$81M$62M
Q1 2025$74.2M$58.3M
Q2 2025$74.5M$60.9M
Q3 2025$73.4M$59.7M
Q4 2025$77.8M$62M
Q1 2026$72.4M$60.4M

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$2.95M
Investor CRE$531K
Multifamily$506K
Construction$1.29M
1–4 family$6.49M
C&I$8.25M
Agriculture$21.1M
Other$2.66M

FFIEC UBPR comparison

How this bank compares

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
3rd percentileToggle ROA distribution

Distribution histogram for ROA, with this bank marked when a value is reported.

10th 0.11%Median 1.10%90th 1.97%Observations 329
ROE
FDICNETINC + ROE
3rd percentileToggle ROE distribution

Distribution histogram for ROE, with this bank marked when a value is reported.

10th 0.69%Median 9.42%90th 17.70%Observations 329
NIM
FDICNIM + NIMY
44th percentileToggle NIM distribution

Distribution histogram for NIM, with this bank marked when a value is reported.

10th 2.95%Median 3.93%90th 5.09%Observations 329
Efficiency
FDICNONIX + NIM + NONII + EEFFR
91st percentileToggle Efficiency distribution

Distribution histogram for Efficiency, with this bank marked when a value is reported.

10th 48.38%Median 67.12%90th 92.94%Observations 329
Deposits YoY
FDICDEP
53rd percentileby valueToggle Deposits YoY distribution

Distribution histogram for Deposits YoY, with this bank marked when a value is reported.

10th −4.05%Median +3.15%90th +12.96%Observations 329
Loans YoY
FDICLNLSNET
41st percentileby valueToggle Loans YoY distribution

Distribution histogram for Loans YoY, with this bank marked when a value is reported.

10th −7.88%Median +3.43%90th +18.70%Observations 327
Noncurrent %
FDICP9ASSET + NAASSET + LNLSGR
77th percentileToggle Noncurrent % distribution

Distribution histogram for Noncurrent %, with this bank marked when a value is reported.

10th 0.00%Median 0.45%90th 3.24%Observations 327
Leverage
FDICRBC1AAJ
87th percentileToggle Leverage distribution

Distribution histogram for Leverage, with this bank marked when a value is reported.

10th 8.81%Median 11.93%90th 16.90%Observations 329

Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.

IB deposit cost
FDICEINTEXP + DEPIDOM
18th percentileToggle IB deposit cost distribution

Distribution histogram for IB deposit cost, with this bank marked when a value is reported.

10th 1.25%Median 2.14%90th 3.09%Observations 328
CRE/capital
FDICLNRENROT + LNREMULT + LNRECONS + RBC
28th percentileby valueToggle CRE/capital distribution

Distribution histogram for CRE/capital, with this bank marked when a value is reported.

10th 4%Median 46%90th 149%Observations 146

Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.

Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.

Branches & markets

Physical footprint

Domestic offices
2 branches
Headquarters
Trimont, MN
FDICOFFDOMOpen the Minnesota dashboard →

History

Institution established

Filings

Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data