What are the current interest rates at Farmers State Bank Victor, MT?

Current rates for Farmers State Bank Victor, MT include: 12-Month CD: 2.94%, 18-Month CD: 1.27%, 24-Month CD: 1.76%, 36-Month CD: 2.02%, 60-Month CD: 2.02%, Savings: 0.01%, MMA: 0.45%

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Farmers State Bank Victor, MT

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Farmers State Bank Victor, MT Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers State Bank Victor, MT provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 19, 2026

Farmers State Bank Victor, MT's 10-Month Certificate rates are at 3.64%, 20-Month Certificate rates are at 3.64%, 5-Month Certificate rates are at 3.64%, 12-Month Certificate rates are at 2.94%, 182 Day Certificate rates are at 2.92%. Farmers State Bank Victor, MT's savings rates are at 0.01%. Farmers State Bank Victor, MT's money market rates are at 0.45%. MonitorBankRates evaluates the financial stability of Farmers State Bank Victor, MT with a 4.8 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.69%. Rates last updated and verified on 09/19/2026.

Farmers State Bank Victor, MT money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers State Bank Victor, MT? Share your experience about Farmers State Bank Victor, MT by leaving a review below, or read customer reviews before you decide to use Farmers State Bank Victor, MT.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

4.8

Excellent Out of 5.0 Stars

Texas Ratio

6.69%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Farmers State Bank

103 Main St
Victor, MT 59875

https://www.farmersebank.com

Farmers State Bank Victor, MT CD Rates

Product	Rate	APY	Term
10 Month Certificate	3.63%	3.64%	10 Month
Min Deposit $1,000 Min Balance $1,000 Details Special Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
20 Month Certificate	3.58%	3.64%	20 Month
Min Deposit $1,000 Min Balance $1,000 Details Special Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
5 Month Certificate	3.60%	3.64%	5 Month
Min Deposit $1,000 Min Balance $1,000 Details Special Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
12 Month Certificate	2.90%	2.94%	12 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
182 Day Certificate	2.90%	2.92%	182 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
3 Year Certificate	2.00%	2.02%	3 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
5 Year Certificate	2.00%	2.02%	5 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
2 Year Certificate	1.75%	1.76%	2 Year
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
18 Month Certificate	1.25%	1.27%	18 Month
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
91 Day Certificate	0.40%	0.40%	91 Day
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
30 Day Certificate	0.30%	0.30%	30 Day
Min Deposit $500 Min Balance $500 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Farmers State Bank Victor, MT Savings Rates

Product	Rate	APY
Business Savings	0.03%	0.03%
Min Deposit $5 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Regular Savings	0.03%	0.03%
Min Deposit $5 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Medical Savings	0.01%	0.01%
Min Deposit $5 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Farmers State Bank Victor, MT Money Market Rates

Product	Rate	APY
Platinum Money Market	3.40%	3.45%
Min Deposit $25 Min Balance $1,500,000 Details Balance: $1,500,000 and over Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Platinum Money Market	1.45%	1.46%
Min Deposit $25 Min Balance $500,000 Details Balance: $500,000 to $1,499,999.99 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Platinum Money Market	1.10%	1.11%
Min Deposit $25 Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Platinum Money Market	0.75%	0.75%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Platinum Money Market	0.45%	0.45%
Min Deposit $25 Min Balance $0 Details Balance: .01 - $99,999.99 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Farmers State Bank Victor, MT Checking Rates

Product	Rate	APY
HSA Checking	0.03%	0.03%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
HSA Checking	0.02%	0.02%
Min Deposit $25 Min Balance $2,000 Details Balance: $2,000.00 - $9,999.99 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
HSA Checking	0.01%	0.01%
Min Deposit $25 Min Balance $0 Details Balance: .01 - $1,999.99 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Farmers State Bank Victor, MT Other Rates

Product	Rate	Points	APY/APR
IRA & SEP Accounts	1.25%	-	1.25%
Min Deposit $0 Min Balance $0 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%
Negotiated	0.50%	-	0.50%
Min Deposit $100,000 Min Balance $100,000 Last Updated 09/19/2026 Institution Ratings 4.8 Star Rating A Health Grade ◈ Texas Ratio: 6.69%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Farmers State Bank Victor, MT’s Texas Ratio fell from 8.58% in Q3 2023 to 6.69% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 2.1 to 4.8 and its Health Grade from D to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$790M	6.69%	4.8	A
March 31, 2026	$785M	4.97%	4.8	A
December 31, 2025	$774M	4.84%	5.0	A+
September 30, 2025	$731M	3.29%	5.0	A+
June 30, 2025	$717M	5.92%	4.4	A-
March 31, 2025	$717M	6.18%	4.2	B+
December 31, 2024	$726M	9.12%	3.4	C+
September 30, 2024	$732M	4.57%	4.0	B+
June 30, 2024	$721M	6.66%	3.2	C+
March 31, 2024	$733M	6.38%	2.8	C
December 31, 2023	$718M	5.15%	3.5	B-
September 30, 2023	$715M	8.58%	2.1	D

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Farmers State Bank Victor, MT is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Farmers State Bank Victor, MT rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Farmers State Bank Victor, MT's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Farmers State Bank Victor, MT

Bank Holding Company FARMERS STATE FINANCIAL CORP

Address 103 Main St, Victor, MT 59875 · Ravalli

Website https://www.farmersebank.com

FDIC Certificate # 342

Established 19070101

FDIC Insurance Date 19340101

Domestic Offices 11

Total Branches 11

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

4.8

Excellent Out of 5.0 Stars

6.69%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.9761%

Return on Equity (ROE) 14.2200%

Non-Performing Loans (NPL) 0.45%

Total Assets $790,327,000

Total Deposits $664,252,000

Equity Capital $53,728,000

Net Income $3,821,000

Headquarters Victor

Total Branches and Offices 11

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Farmers State Bank Victor, MT earned the Verified Healthy badge

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Frequently Asked Questions About Farmers State Bank Victor, MT

How many branches does Farmers State Bank Victor, MT operate?

Farmers State Bank Victor, MT currently maintains approximately 11 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Farmers State Bank Victor, MT does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Farmers State Bank Victor, MT provides members with tools to manage their accounts and build a solid financial history.

Does Farmers State Bank Victor, MT offer online and mobile banking?

Most modern institutions like Farmers State Bank Victor, MT provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.farmersebank.com.