Farmers State Bank
Cameron, Missouri, Clinton County
$385M in total assets, the 2,152nd largest of 4,309 US banks and 87th of 195 headquartered in Missouri.
- FDIC certificate
- 13897
- Established
- 1934
- Owned by
- Fsc Bancshares Inc
- Primary regulator
- FDIC
- Website
- WWW.FSCBANK.BANK
At a glance
Compared with 140 banks headquartered in Missouri with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $385M | 64% | $264M | |
| Loans | $303M | 66% | $200M | |
| Deposits | $344M | 66% | $230M | |
| Return on assets | 0.98% | 24% | 1.43% | |
| Net interest margin | 3.95% | 41% | 4.13% | |
| Efficiency ratio | 64.9% | 71% | 59.3% | |
| Equity to assets | 8.27% | 18% | 10.15% | |
| Loans to deposits | 88% | 63% | 85% |
Growth
Total assets grew 4.6% a year over the last 5 years and 6.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2014 | Midwest Federal Savings and Loan Association of St Joseph Saint Joseph, MO | $32M |
| Dec 2010 | Exchange Bank of Fairfax Fairfax, MO | $15M |
| May 1999 | The Farmers and Valley Bank, Tarkio, Missouri Tarkio, MO, an affiliate under the same holding company | $22M |
Where they operate
9 branches in 6 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Clinton County, MO | $171M | 32.5% | 1 of 8 |
| Atchison County, MO | $77M | 34.1% | 2 of 3 |
| Grundy County, MO | $31M | 9.2% | 5 of 5 |
| Buchanan County, MO | $29M | 1.2% | 13 of 14 |
| Holt County, MO | $29M | 16.4% | 4 of 5 |
| Clay County, MO | $7M | 0.1% | 26 of 26 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
No net change since 2016 (9 branches then and now). 1 opened, 0 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 9 | |||
| 2020 | Closed Saint Joseph | 0 | 1 | −1 | 8 |
| 2024 | Opened Excelsior Springs | 1 | 0 | +1 | 9 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 58% | 33% | |
| Farmland | 13% | 15% | |
| Commercial real estate | 11% | 20% | |
| Construction and land | 6% | 7% | |
| Multifamily | 3% | 3% | |
| Consumer | 3% | 4% | |
| Business (C&I) | 2% | 10% | |
| Agricultural | 2% | 6% | |
| Other | 1% | 1% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 56% | 46% | |
| Time deposits | 25% | 33% | |
| Noninterest-bearing | 19% | 21% |
Brokered deposits are 0.0% of deposits (peers 2.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.51% | 0.40% |
| Net charge-offs, annualized | 0.01% | 0.01% |
| Reserves to loans | 0.62% | 1.21% |
| Leverage ratio | 9.03% | 10.54% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in Clinton County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/farmers-state-bank-cameron-mo