Farmers Bank of Lohman
Farmers Bank of Lohman is an FDIC-insured commercial bank headquartered in Jefferson City, MO, supervised by the FDIC, with $82.9M in total assets at Q2 2026, up 4.5% from Q2 2025, the 182nd largest of 191 banks headquartered in Missouri. It was established in 1909 and holds FDIC certificate 8268. It reports no CET1 ratio; its Tier 1 leverage ratio was 17.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8268
- Headquarters
- Jefferson City, MO
- Established
- 1909
- Total assets, Q2 2026
- $82.9M
- Assets vs Q2 2025
- +4.5%
- Tier 1 leverage ratio, Q2 2026
- 17.13%
- Domestic offices
- 2 · Farmers Bank of Lohman branches FDIC institution directory, current count
- Routing number
- 081510739
- Safety and soundness
- Is Farmers Bank of Lohman safe?
- Latest call report
- Q2 2026, FFIEC 051 · Farmers Bank of Lohman Q3 2026 call report, filed October 27, 2026 (preliminary)
- Asset rank in state
- 182nd of 191 in Missouri
Farmers Bank of Lohman runs leaner than most banks of its size. The Jefferson City, Missouri bank had $83 million in assets at June 30, 2026, up 4.5% from a year earlier. It spends about 47 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 533 banks with less than $100 million in assets (median 69 cents). On the other hand, it keeps 3.07 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.91 cents).
Net income for the quarter rose 21% from a year earlier, to $267,000. Over the same year, loans shrank 3.2% and deposits grew 3.9%.
As of June 30, 2026, Farmers Bank of Lohman reported a return on assets of 1.28%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.04%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Farmers Bank of Lohman is the 182nd largest of the 191 banks headquartered in Missouri. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.4% to $82.9M, loans fell 4.3% and deposits rose 2.5%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 54.7% of total loans, followed by commercial and industrial loans at 15.2%. Its 2 offices in the FDIC Summary of Deposits are in Jefferson City, MO and Lohman, MO; its Jefferson City office books 50% of its branch deposits. On its Q2 2026 call report, Farmers Bank of Lohman meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 103 Lomo Dr, Jefferson City, MO 65109
- County
- Cole
- Metro Area
- Jefferson City, MO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 23, 1909
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 9
- Domestic deposits
- $70.1M
- Allowance for credit losses
- $211K
- Net charge-offs (YTD)
- $0
- Average total assets
- $83.3M
- Average total loans
- $24.4M
- Average interest-bearing deposits
- $53.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8268
- Fed RSSD
- 743950
- Website
- www.farmersbankoflohman.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. After a merger that grows assets 25% or more, the UBPR averages balances from the merger date on while the income stays year to date, so a YTD ratio can differ widely from the ratio of either quarter. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers Bank of Lohman reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Farmers Bank of Lohman's total assets ranged from $73.7M (Q3 2023) to $82.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$82.9M total assets against $79.3M; $70.3M total liabilities against $67.7M.
$23.8M net loans and leases against $24.6M; $70.1M total deposits against $67.4M.
$45.5M securities against $40.6M; $10.1M cash and balances due against $10.6M.
$790K total interest income against $734K; $196K total interest expense against $211K.
$594K net interest income against $523K.
$24K total noninterest income against $24K; $301K total noninterest expense against $285K.
$0 provision for credit losses against $0.
$267K net income against $220K.
1.28% return on assets against 1.10%; 3.07% net interest margin against 2.82%.
17.13% tier 1 leverage ratio against 16.91%.
Inside the full Farmers Bank of Lohman terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.69% (Q4 2024) to 1.78% (Q1 2025) and its net interest margin ran from 2.59% (Q4 2024) to 3.07% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.13% | 1.28% | 0.02% | 0.04% | 3.07% |
| Q1 2026 | 17.14% | 1.05% | 0.02% | 0.05% | 2.98% |
| Q4 2025 | 16.71% | 1.06% | 0.02% | 0.05% | 2.97% |
| Q3 2025 | 16.93% | 1.06% | 0.03% | 0.06% | 2.91% |
| Q2 2025 | 16.91% | 1.10% | 0.03% | 0.06% | 2.82% |
| Q1 2025 | 16.87% | 1.78% | 0.03% | 0.07% | 2.61% |
| Q4 2024 | 17.02% | 0.69% | 0.03% | 1.70% | 2.59% |
| Q3 2024 | 17.27% | 0.72% | 0.00% | 1.51% | 2.65% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers Bank of Lohman, Missouri | Jefferson City , MO | 65109 | $35.0M |
| Lohman Branch | Lohman , MO | 65053 | $35.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MO, rank 220 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers Bank of Lohman
What are Farmers Bank of Lohman's total assets?
As of the Q2 2026 filing, Farmers Bank of Lohman reported total assets of $82.9 million in its FFIEC call report.
Where is Farmers Bank of Lohman headquartered?
It is headquartered in Jefferson City, MO, United States.
When was Farmers Bank of Lohman founded?
It was established in 1909, per the FDIC institution directory.
Is Farmers Bank of Lohman FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8268). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers Bank of Lohman?
Farmers Bank of Lohman's primary federal regulator is the FDIC.
How many branches does Farmers Bank of Lohman operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers Bank of Lohman's Texas Ratio?
Its Texas Ratio is 0.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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