Five-Star Farmers State Bank of Emden Proves it Has What it Takes

[December 30, 2022]  

BauerFinancial, Inc., the Nation's Premier Bank Rating Firm, has once again awarded Farmers State Bank of Emden its Recommended Rating (5-Stars or 4-Stars). "It's important to impress, this award is not granted; it is earned', emphasizes Karen Dorway, president of BauerFinancial."

Bauer rates every federally-insured U.S. chartered bank with the same strict standards, and we are pleased to report that Farmers State Bank of Emden continues to excel in areas of capital adequacy, profitability, loan quality and more.

This marks the 133rd consecutive quarter it has done so - since March 1990! Now that's worth celebrating. Farmers State Bank of Emden has certainly proven it has what it takes to carry it through 2023, whatever it may bring.

"With the Federal Reserve raising interest rates at breakneck speed, it may be tough for some banks to keep pace", cautions Dorway. "But, with high capital cushions and an established track record, Farmers State Bank of Emden is well-positioned to continue to thrive and be a source of strength for its community."

Farmers State Bank of Emden was established in 1891 and has been a rock-solid banking partner for the community ever since. That's 132 years of relationship-building and community-strengthening. Neighbors and friends should be proud to call Farmers State Bank of Emden their bank.

[Irene A. Westen
Vice President and Cashier
Farmers State Bank of Emden]