Farmers State Bank
Farmers State Bank offers banking services to residents and businesses.
- Company typePrivate
- Founded1878
- HeadquartersCameron, United States
- Headcount501–1,000
- GTM typeB2B and B2C
- OfferingServices
What Farmers State Bank does
Farmers State Bank is a privately held, state-chartered community bank founded in 1878 and headquartered in Cameron, Missouri. It provides retail and commercial banking services to individuals and small-to-medium businesses across a regional Missouri footprint, operating as an FDIC-insured depository institution under NMLS #431503 and as an Equal Housing Lender. With a headcount in the 501-1000 range, the bank functions as a mid-sized community institution whose core market is local consumers and SMBs rather than large enterprise or institutional customers.
The product portfolio spans deposit products (consumer and business checking and savings accounts, including the flagship FSB inCENTive rewards-based free checking and a Youth Accounts suite), lending products (personal loans, business loans, and FSB Mortgage), payment services (personal and business credit cards, Zelle P2P transfers), and supplementary services such as Cash Management, Card Management, E-Statements, Telephone Banking, and a Travel Club membership add-on. A signature community-engagement product is the Kasasa-powered Swipe Out Hunger debit card program, which donates to Second Harvest Community Food Bank's Backpack Buddies program on every card swipe and ties everyday banking activity to local community impact.
The bank's technology infrastructure is delivered primarily through Fiserv, which powers its retail and business online banking platforms, mobile banking applications on iOS and Android, and a digital account origination system that enables online account opening within minutes. Distribution is multi-channel, combining physical branches with self-serve digital channels including digital wallet (Apple Pay, Google Pay), Zelle, and the online account opening flow. Revenue mechanics are traditional banking: net interest income on personal, business, and mortgage lending; deposit account and E-Statement fees; debit and credit card transaction revenue; and commercial cash management service fees. Specific financial figures are not publicly disclosed, and the bank operates as a private institution with no stock exchange listing or ticker symbol.
Farmers State Bank firmographics
Firmographics- Name
- Farmers State Bank
- Legal name
- Farmers State Bank
- Website
- https://www.fscbank.com/
- Company type
- Private
- Founded year
- 1878
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Farmers State Bank offers banking services to residents and businesses.
- Ownership category
- akta.pro rank
Farmers State Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Depository Credit Intermediation (5221)
- SIC
- State Commercial Banks (6022)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Farmers State Bank is headquartered
LocationHeadquarters
- HQ city
- Cameron
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Farmers State Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income: Traditional banking revenue generated from interest earned on loans including personal loans, business loans, and mortgage financing.
- Deposit Account Fees: Fees from checking and savings account services, including E-Statements and account management services.
- Card Services: Debit card transaction revenue through the Swipe Out Hunger program and general card management services.
- Credit Card Services: Revenue from personal and business credit card offerings.
- Cash Management Services: Business banking cash management solutions generating fee income.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | FSB inCENTive Checking |
Go-to-market motion1 record
Distribution channels7 records
Marketing channels5 records
Farmers State Bank product offering
Product offeringCore offering
Farmers State Bank is a privately held, state-chartered community bank operating in Missouri that provides deposit accounts, lending products, and digital banking services to individual consumers and businesses. Its core offering spans consumer checking and savings accounts (including the FSB inCENTive rewards account and youth accounts), personal loans, business loans, mortgage financing (FSB Mortgage), personal and business credit cards, business cash management, Zelle peer-to-peer payments, and access via online, mobile, telephone, and in-branch banking channels.
Product overview
Farmers State Bank operates as a regional community bank offering a unified suite of banking products and services rather than a modular platform architecture. The core product portfolio centers on deposit accounts (checking and savings for both personal and business customers), lending products (personal loans, business loans, and mortgage financing), and digital banking channels. The digital banking ecosystem includes Online Banking, Mobile Banking, and Digital Wallet services powered by Fiserv infrastructure. Supplementary offerings include credit cards (personal and business), peer-to-peer payment via Zelle, a Kasasa-branded debit rewards program (Swipe Out Hunger), and specialty services like Travel Club and Card Management. The FSB inCENTive checking account serves as a flagship consumer product, while Business Checking and Cash Management address commercial banking needs. Online Account Opening enables digital customer acquisition, and the bank maintains traditional channels including Telephone Banking and E-Statements.
Differentiator
Problem solved
Functional benefit
Products and services
- Consumer Checking Account
Companies that use Farmers State Bank
Customer profileSegments2 records
Ideal customer profiles2 records
Farmers State Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Farmers State Bank partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- Second Harvest Community Food BankcoreCommunity partnership through the Swipe Out Hunger Kasasa program where FSB donates to the Second Harvest Community Food Bank Backpack Buddies program every time a customer swipes their debit card. This is a signature community engagement initiative demonstrating the bank's local community commitment.
- FiservcoreTechnology infrastructure provider powering the bank's online and mobile banking platforms. The Fiserv-powered digital banking platform handles retail online banking, business online banking, and the online account opening origination system.
- Deluxe CorporationminorCheck ordering partner providing Deluxe check reordering services for FSB customers who need personal or business checks through the bank's website reorder point.
- KasasacoreRewards program partner enabling the Swipe Out Hunger and inCENTive checking account reward programs. Kasasa provides the back-end infrastructure for reward redemption and merchant-funded reward offers that drive customer engagement and debit card usage.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Farmers State Bank competitors and assessment
Company assessmentDirect peers
- Citizens Bank & Trust: Community bank also headquartered in Cameron, Missouri. Directly competes with Farmers State Bank in the same primary market with a similar mix of consumer and small business banking products, making it the most directly comparable peer.
- BTC Bank: Missouri-based community bank with a multi-branch footprint serving consumer and agricultural customers. Comparable in size and product mix to Farmers State Bank, with a similar community banking model.
- Legends Bank: Community bank operating in the greater Kansas City and northwest Missouri region. Overlaps directly with Farmers State Bank's geographic footprint and offers comparable consumer, mortgage, and business banking services.
- Platte Valley Bank: Missouri community bank serving similar customer segments in nearby markets. Comparable full-service community banking model including deposits, loans, and digital banking channels.
- Hawthorn Bank: Missouri-based community bank offering personal and business banking with comparable digital capabilities. Serves similar customer profiles and competes for community banking relationships in Missouri.
- First Missouri Bank: Community bank operating in Missouri with a comparable deposit and lending product set. Similar scale and customer base to Farmers State Bank.
- Academy Bank: Midwest-based community bank offering personal and business banking products with a comparable digital channel mix. Competes in similar Missouri and surrounding regional markets.
Broad incumbents
- UMB Bank: Large Missouri-headquartered regional bank with a much broader product portfolio and geographic reach. Operates as a broad incumbent that competes for community banking relationships across Missouri while also serving corporate and institutional clients.
- Commerce Bank: Kansas City-based regional bank with retail branches across Missouri. Represents a larger-scale incumbent competitor that offers overlapping consumer and business banking services to the same regional customer base.
Regional players
- Equity Bank: Mid-sized bank with a Midwestern footprint that includes Missouri markets. Comparable community banking focus with broader regional scale, making it a relevant peer for competitive positioning analysis.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Farmers State Bank social profiles
Digital presenceFarmers State Bank compliance and trust
Trust signalCompliance1 record
Farmers State Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Farmers State Bank leadership team
Management profileNumber of profiles
Farmers State Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Farmers State Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Farmers State Bank
What does Farmers State Bank do?
Farmers State Bank is a privately held, state-chartered community bank operating in Missouri that provides deposit accounts, lending products, and digital banking services to individual consumers and businesses. Its core offering spans consumer checking and savings accounts (including the FSB inCENTive rewards account and youth accounts), personal loans, business loans, mortgage financing (FSB Mortgage), personal and business credit cards, business cash management, Zelle peer-to-peer payments, and access via online, mobile, telephone, and in-branch banking channels.
Is Farmers State Bank a public or private company?
Farmers State Bank is a private company. It is classified as unknown and is currently operating.
When was Farmers State Bank founded?
Farmers State Bank was founded in 1878. It employs 501 to 1,000 people.
Where is Farmers State Bank based?
Farmers State Bank is headquartered in Cameron, United States, in the North America region.
How does Farmers State Bank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, card Services, credit Card Services and cash Management Services.
Who are Farmers State Bank's main competitors?
Direct peers on record are Citizens Bank & Trust, BTC Bank, Legends Bank, Platte Valley Bank, Hawthorn Bank, First Missouri Bank and Academy Bank. Broad incumbents are UMB Bank and Commerce Bank. Equity Bank is listed as a regional player.
Does Farmers State Bank have an API?
No public API is recorded for Farmers State Bank.
What industry is Farmers State Bank in?
Farmers State Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 5221 and its SIC code is 6022.