Farmbank (FDIC Cert #16103), a $78.6M bank headquartered in Green City, MO, reported $72.9M in deposits at the end of Q3 2025, an increase of $2.7M (+3.9%) compared to the same quarter last year.
The bank's 69.0% loan-to-deposit ratio represents a balanced approach between deploying deposits into loans and maintaining adequate liquidity.
Deposit Composition
Farmbank's deposit portfolio is led by Transaction Accounts, comprising 27.5% of total deposits. A heavy concentration in transaction accounts provides operational flexibility and typically lower funding costs.
Deposit Portfolio Breakdown
| Deposit Type | Balance | % of Total |
|---|---|---|
| Transaction Accounts | $20.0M | 27.5% |
| Time Deposits <$100K | $19.1M | 26.2% |
| Savings Deposits | $5.5M | 7.5% |
Source: FDIC Call Reports (Q3 2025)
Quarterly Deposit Trends
Moderate deposit growth suggests stable customer relationships balanced with competitive pricing pressures.
Quarterly Trend
| Period | Total Deposits | QoQ Change |
|---|---|---|
| Q2_2024 | $72.0M | |
| Q3_2024 | $70.2M | -2.5% |
| Q4_2024 | $69.2M | -1.4% |
| Q1_2025 | $71.9M | +3.9% |
| Q2_2025 | $71.9M | +0.0% |
| Q3_2025 | $72.9M | +1.4% |
Source: FDIC Call Reports
Peer Comparison
Among 621 banks nationally in its $39.3M–$118.0M asset peer group, Farmbank ranks in the 54th percentile for deposit growth.
Within MO, among 30 similarly-sized banks ($39.3M–$118.0M assets), Farmbank ranks in the 36th percentile for deposit growth, trailing the state peer average by 87.3 percentage points.
Historical Context: Since the 2008 Crisis
Farmbank's deposit base has grown 227% since Q3 2008, when the financial crisis was at its peak. At that time, the bank held $22.3M in deposits.
◆ Why This Matters
Finleet's take on what treasurers, CFOs, and bank analysts should focus on:
- Margin Compression: ROA of 0.19% is below peer medians, suggesting NIM pressure, elevated credit costs, or operational inefficiency. For treasurers, this may signal reduced capacity for deposit rate competition.
- Thin Capital Buffer: At 6.3% equity/assets, the bank operates with limited cushion above regulatory minimums. Any credit deterioration could pressure capital ratios and constrain growth.
Outlook
Farmbank's deposit trajectory will depend on rate competitiveness, relationship banking efforts, and the broader economic environment affecting deposit behavior.
View Full Profile
Access Farmbank's complete entity profile including financials, regulatory filings, and corporate structure.
Data Sources: FDIC Call Reports (Q3 2025), FFIEC Central Data Repository, Finleet Proprietary Analysis
Methodology: Year-over-year growth calculated comparing Q3 2025 to same quarter prior year. Peer groups defined as banks within 50% asset range. All financial values reported in thousands unless otherwise noted.