The 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 Reserve coverage of non-performing loans: 21.53 percentage points higher than in Q1 2026, at 191.03%. Within Tennessee, The Farmers Bank is 31st of 109 on return on assets, 1.60% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Farmers Bank sits 0.35 points higher, at 1.60% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.50% |
| Tier 1 risk-based capital ratio | 20.50% |
| Total risk-based capital ratio | 21.66% |
| Tier 1 leverage ratio | 15.09% |
| Equity capital to assets | 13.83% |
| Tangible equity to tangible assets | 13.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.64% |
| Non-performing assets ratio | 0.42% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 2.95% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 191.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 12.15% |
| Net interest margin | 4.69% |
| Efficiency ratio | 56.34% |
| Yield on earning assets | 6.14% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.60% |
| Core deposits to total deposits | 81.98% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.85% |
| Securities to assets | 24.24% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.72% | 17.72% | 18.76% | 13.51% | 1.76% |
| Q4 2023 | 18.90% | 18.90% | 20.01% | 13.95% | 1.53% |
| Q1 2024 | 19.22% | 19.22% | 20.33% | 14.14% | 1.38% |
| Q2 2024 | 19.25% | 19.25% | 20.34% | 14.40% | 1.41% |
| Q3 2024 | 19.40% | 19.40% | 20.53% | 14.58% | 1.63% |
| Q4 2024 | 19.49% | 19.49% | 20.58% | 14.38% | 1.50% |
| Q1 2025 | 19.22% | 19.22% | 20.26% | 14.32% | 1.52% |
| Q2 2025 | 19.56% | 19.56% | 20.69% | 14.73% | 1.64% |
| Q3 2025 | 20.13% | 20.13% | 21.30% | 15.02% | 1.65% |
| Q4 2025 | 20.17% | 20.17% | 21.38% | 14.93% | 1.61% |
| Q1 2026 | 20.18% | 20.18% | 21.35% | 14.92% | 1.63% |
| Q2 2026 | 20.50% | 20.50% | 21.66% | 15.09% | 1.60% |
The Farmers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1696) · FFIEC NIC profile (RSSD 901938)