Farmers Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 2.37 percentage points in Q2 2026, from 423.43% to 425.80%. It was the largest change from Q1 2026 among the key lines here. Farmers Bank ranks 40th of 78 Arkansas banks on return on assets, in the lower half at 1.30% (Q2 2026). Farmers Bank reported 1.30% on return on assets for Q2 2026, 0.05 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.23% |
| Equity capital to assets | 13.74% |
| Tangible equity to tangible assets | 13.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 1.39% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | 425.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.30% |
| Return on equity | 9.50% |
| Net interest margin | 4.20% |
| Efficiency ratio | 67.03% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.26% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 66.48% |
| Core deposits to total deposits | 94.95% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.84% |
| Securities to assets | 27.78% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.71% | 1.00% | 3.46% | 0.20% | 0.03% |
| Q4 2023 | 16.02% | 0.41% | 3.52% | 0.20% | 0.04% |
| Q1 2024 | 15.42% | 0.92% | 3.43% | 0.20% | 0.05% |
| Q2 2024 | 15.65% | 1.62% | 3.45% | 0.20% | 0.00% |
| Q3 2024 | 15.97% | 0.79% | 3.48% | 0.19% | 0.04% |
| Q4 2024 | 16.16% | 0.69% | 3.61% | 0.19% | 0.04% |
| Q1 2025 | 15.84% | 0.92% | 3.68% | 0.19% | 0.02% |
| Q2 2025 | 15.96% | 1.08% | 3.69% | 0.19% | 0.06% |
| Q3 2025 | 16.13% | 0.80% | 3.89% | 0.25% | 0.04% |
| Q4 2025 | 16.15% | 0.41% | 3.93% | 0.25% | 0.03% |
| Q1 2026 | 15.80% | 1.02% | 4.07% | 0.17% | 0.01% |
| Q2 2026 | 16.23% | 1.30% | 4.20% | 0.17% | 0.01% |
Farmers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1296) · FFIEC NIC profile (RSSD 325141)