Bank · FDIC insured
Farmers State Bank
A $790.3M bank headquartered in Victor, MT, with 10 branches in Montana. Best rates: CDs 3.64% and savings 0.45% APY.
Farmers State Bank Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#7 of 11 in Missoula, MT metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers State Bank
Operating since 1907 in Western Montana, Farmers State Bank offers banking services to residents of Ravalli, Missoula, Flathead, and Lewis and Clark counties.
The institution is a fourth-generation local business and one of Montana's oldest independently owned and operated banks, with nine locations.
- Headquarters
- 103 Main St, Victor, MT 59875
- FDIC certificate
- 342 ↗
Branches
10 branches in Montana
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Montana
10 branches
Missoula area · 3
- Lolo Branch11000 Us Highway 93 S, Lolo, MT 59847Directions
- Missoula Branch3130 N Reserve St, Missoula, MT 59808Directions
- Missoula Brooks Street Office Branch3200 Brooks St, Missoula, MT 59801Directions
Victor area · 1
- Farmers State BankMain office103 Main St, Victor, MT 59875Directions
Darby area · 1
- Darby Branch805 South Main, Darby, MT 59829Directions
Florence area · 1
- Florence Branch5501 Us Highway 93 N, Florence, MT 59833Directions
Hamilton area · 1
- Hamilton Branch1950 N 1st St, Hamilton, MT 59840Directions
Helena area · 1
- Helena Branch2125 N Last Chance Gulch, Helena, MT 59601Directions
Kalispell area · 1
- Kalispell Branch120 Hutton Ranch Rd, Kalispell, MT 59901Directions
Stevensville area · 1
- 725 Main Street Branch725 Main St, Stevensville, MT 59870Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.84% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.68% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.98% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $79 | $81 | — |
- CapitalLeverage ratio8.84%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.68%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.98%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$79Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.