$1.3B
−1.0%y/y
Percentile by value65th percentileby value
FDIC
LNLSGRFS
Farmers State Bank
Waterloo, IowaFDIC Cert #12855
STATEEstablished 19038 branches
Holding company: FSB FINANCIAL SERVICES INCRegulator: FDIC
FDIC
CERT + OFFDOMPortfolio mix & concentration
Loans
The composition, growth, and concentration of the loan book using reported Call Report categories.
As of Q1 2026
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $132M |
| Investor CRE | $192M |
| Multifamily | $194M |
| Construction | $90.1M |
| 1–4 family | $316M |
| C&I | $205M |
| Agriculture | $137M |
| Other | $30.1M |
Loan book
Reported balances and balance-sheet intensity.
$1.28B
−1.0%y/y
Percentile by value65th percentileby value
FDIC
LNLSNET−1.03%
−140.6%y/y
Percentile by value10th percentileby value
FDIC
LNLSNET102.0%
−1.7%y/y
Percentile by value94th percentileby value
FDIC
LNLSNET + DEP81.2%
+1.7%y/y
Percentile by value85th percentileby value
FDIC
LNLSNET + ASSET79.12%
−1.8%y/y
Percentile by value35th percentileby value
FDIC
LNRE + LNLSGRConcentration
Portfolio concentration relative to loans and risk-based capital.
256%
−9.2%y/y
Percentile by value62nd percentileby value
Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC48%
+15.1%y/y
Percentile by value50th percentileby value
Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.
FDIC
LNRECONS + RBC1,508points
−3.1%y/y
Peer standing87th percentile
FDIC
LNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD10.15%
−5.8%y/y
Percentile by value32nd percentileby value
FDIC
LNRENROW + LNLSGR14.81%
−4.7%y/y
Percentile by value30th percentileby value
FDIC
LNRENROT + LNLSGR15.83%
+9.3%y/y
Percentile by value70th percentileby value
FDIC
LNCI + LNLSGR