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Farmers State Bank

Victor, MT · Est. 1907 · Website ↗
B
Trust Grade
Strong
Score: 86/100

Farmers State Bank is a bank based in Victor, Montana, established in 1907, with $785 million in total assets across 11 branches. By Trust Grade it ranks 35th of 36 banks we track in Montana. Its capital ratio of 6.8% trails most similarly sized banks (6th percentile), versus a Montana median of 10%. It was profitable over the most recent period, with a 1.07% return on assets. No consumer complaints against Farmers State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$784.8M
$100M–1B institution
Deposits
$669.2M
Branches
11
Capital ratio
6.8%
Bottom 6% of $100M–1B peers · Montana median 10%
Return on assets
1.1%
Bottom 43% of $100M–1B peers · Montana median 1.36%
Rank in Montana
#35
of 36 banks

How Farmers State Bank compares to Montana peers

Capital ratio
Bottom 6% of $100M–1B peers
Farmers State
6.8%
Montana median
10.0%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 43% of $100M–1B peers
Farmers State
1.1%
Montana median
1.4%
Higher ROA = more profitable relative to asset base

How we graded Farmers State Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
86/100
Customer experience
n/a
Overall
B · 86
  • Well-capitalized (6.8% capital ratio)
  • Strongly profitable (ROA 1.07%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Farmers State Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (11)

  • 5501 Us Highway 93 N, Florence, MT 59833
  • 805 South Main, Darby, MT 59829
  • 1950 N 1st St, Hamilton, MT 59840
  • 103 Main St, Victor, MT 59875
  • 11000 Us Highway 93 S, Lolo, MT 59847
  • 3130 N Reserve St, Missoula, MT 59808
  • 206 W Main St, Hamilton, MT 59840
  • 725 Main St, Stevensville, MT 59870
  • 2125 N Last Chance Gulch, Helena, MT 59601
  • 120 Hutton Ranch Rd, Kalispell, MT 59901
  • 3200 Brooks St, Missoula, MT 59801

Are deposits at Farmers State Bank insured?

Yes. Farmers State Bank is an FDIC-insured bank (FDIC certificate #342). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Farmers State Bank: frequently asked questions

Is Farmers State Bank a good bank?

Farmers State Bank earns a Bankzia Trust Grade of B (86/100, "Strong"), based on a financial-strength score of 86/100 (it has no CFPB complaints on record). Well-capitalized (6.8% capital ratio); Strongly profitable (ROA 1.07%).

Is Farmers State Bank FDIC-insured?

Yes. Farmers State Bank is a FDIC-insured bank (FDIC certificate #342). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Farmers State Bank?

Farmers State Bank holds $785 million in total assets, ranking 35th of 36 banks we track in Montana. It operates 11 branches.

Does Farmers State Bank have CFPB complaints?

No CFPB complaints against Farmers State Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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