🏦Bank Scorer

FARMERS STATE BANK

WATERLOO, IA · Supervised by FDIC

Est. 1903FDIC #12,855RSSD: FDIC-12855
Part ofFSB FINANCIAL SERVICES INC→ View all charters
Outstanding Same

Current rating · Exam: August 2025

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.33%

Institution Profile

FDIC BankFind

Address

131 Tower Park Dr, WATERLOO, IA

County

Black Hawk County

Established

June 25, 1903

Total Assets

$1.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.6B

Total Deposits

$1.3B

Net Loans

$1.3B

Net Income

$5M

ROA

1.33%

ROE

13.02%

Risk-Based Capital

14.36%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$1.3B

1-Year Change

0

5-year net change: -3 branches

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

11 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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