FSB BANCSHARES INC is the parent banking group. FARMERS STATE BANK & TRUST CO. is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

FSB BANCSHARES INC

Legal name: FSB BANCSHARES, INC.

1 active bank · $174M combined assets

RSSD ID: 3371701 (FFIEC NIC)

Combined Assets

$174M

CRA Rating Summary

Satisfactory1charter

Across all 9 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFARMERS STATE BANK & TRUST CO.CHURCH POINT, LASatisfactory$174MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$174M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$160M

Net Income

$794K

ROA (avg)

1.84%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FARMERS STATE BANK & TRUST CO.	CHURCH POINT, LA	FDIC	$174M	100.0%	Satisfactory	Dec 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.