Bank · FDIC insured
Farmers State Bank
A $279.5M bank headquartered in Waupaca, WI, with 3 branches in Wisconsin. Best rates: CDs 3.85% and savings 0.30% APY.
Farmers State Bank Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#158 of 196 in WisconsinHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers State Bank
Established in 1911, The Farmers State Bank of Waupaca operates as a locally owned, independent community bank.
The bank serves customers across the Waupaca, Wild Rose, and Fremont areas in Wisconsin.
After operating at Fulton and Main Street from 1911, the bank moved to its 112 W. Fulton Street location in 1966.
- Headquarters
- 112 W Fulton St, Waupaca, WI 54981
- FDIC certificate
- 13033 ↗
Branches
3 branches in Wisconsin
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Wisconsin
3 branches
Waupaca area · 1
- The Farmers State Bank of WaupacaMain office112 W Fulton St, Waupaca, WI 54981Directions
Fremont area · 1
- Fremont BranchN560 State Highway 110, Fremont, WI 54940Directions
Wild Rose area · 1
- Wild Rose Branch315 Hospital Road, Wild Rose, WI 54984Directions
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 | 11.57% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.50% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $71 | $81 | — |
- CapitalLeverage ratio11.57%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.50%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$71Peers’ 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.