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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 9.01 percentage points lower than in Q1 2026, at 90.11%. On return on assets, Farmers Bank is 7th from the bottom among 109 Tennessee banks, 0.24% (Q2 2026). Farmers Bank's return on assets of 0.24% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.06% |
| Equity capital to assets | 8.73% |
| Tangible equity to tangible assets | 8.73% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.37% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.48% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.24% |
| Return on equity | 2.71% |
| Net interest margin | 5.56% |
| Efficiency ratio | 87.28% |
| Yield on earning assets | 8.37% |
| Cost of funds | 3.06% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 90.11% |
| Core deposits to total deposits | 77.92% |
| Brokered deposits to total deposits | 18.68% |
| Deposits to assets | 90.47% |
| Securities to assets | 2.42% |
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 | 11.81% | -0.47% | 4.59% | 0.00% | 0.24% |
| Q4 2023 | 11.02% | 0.61% | 4.30% | 0.17% | 0.27% |
| Q1 2024 | 11.53% | 1.27% | 5.55% | 0.15% | 0.02% |
| Q2 2024 | 10.86% | 0.72% | 5.44% | 0.31% | 0.03% |
| Q3 2024 | 9.77% | 0.77% | 4.88% | 0.21% | 0.11% |
| Q4 2024 | 9.27% | 0.70% | 4.91% | 0.06% | 0.14% |
| Q1 2025 | 9.62% | 0.57% | 5.06% | 0.00% | 0.07% |
| Q2 2025 | 9.44% | 0.48% | 5.13% | 0.00% | 0.00% |
| Q3 2025 | 10.91% | 0.66% | 5.81% | 0.00% | 0.01% |
| Q4 2025 | 9.98% | 0.59% | 5.58% | 0.00% | 0.00% |
| Q1 2026 | 10.00% | 0.21% | 5.12% | 0.00% | 0.01% |
| Q2 2026 | 9.06% | 0.24% | 5.56% | 0.00% | 0.00% |
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 8661) · FFIEC NIC profile (RSSD 524757)