The Farmers Bank (Carnegie, OK)
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Data as of · sourced from FFIEC call reports. How we update
The Farmers Bank is an FDIC-insured commercial bank headquartered in Carnegie, OK, established in 1905 (FDIC certificate 4054), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $139.6M, up 34.9% from Q2 2025, the 113th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.58% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4054
- Headquarters
- Carnegie, OK
- Established
- 1905
- Total assets, Q2 2026
- $139.6M
- Assets vs Q2 2025
- +34.9%
- Tier 1 leverage ratio, Q2 2026
- 11.58%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 103104353
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers Bank call report
- Asset rank in state
- 113th of 169 in Oklahoma
The Farmers Bank pays more for its money than most banks of its size. The Carnegie, Oklahoma bank had $140 million in assets at June 30, 2026, up 34.9% from a year earlier. It pays an average of 2.96% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew its loan book 33.3% over the year, 6.1 times the median of 5.5% for banks its size.
Net income for the quarter rose 15% from a year earlier, to $288,000. Concentration is the risk to watch: it holds commercial real estate loans worth 2.3 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Farmers Bank reported a return on assets of 0.90%, a nonperforming-loan ratio of 0.32% and a Texas ratio of 2.46%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Farmers Bank is the 113th largest of the 169 banks headquartered in Oklahoma. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 13.5% to $139.6M, loans rose 13.0% and deposits rose 15.6%. Non-owner-occupied commercial real estate loans made up 19.4% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 18.7%. Its 2 offices in the FDIC Summary of Deposits are in Carnegie, OK and Oklahoma City, OK; its Carnegie office books 59% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Farmers Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 31 West Main Street, Carnegie, OK 73015
- County
- Caddo
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 27, 1905
- Former names
- The Farmers Bank (1970)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $121.1M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $127.4M
- Average total loans
- $113.8M
- Average interest-bearing deposits
- $83.8M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4054
- Fed RSSD
- 998657
- Website
- www.farmersbankok.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. 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, The Farmers Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Farmers Bank's total assets ran between $78.6M (Q3 2023) and $139.6M (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
$139.6M total assets against $103.5M; $125.1M total liabilities against $93.1M.
$120.9M net loans and leases against $90.6M; $121.1M total deposits against $92.1M.
$4.0M securities against $4.4M; $11.5M cash and balances due against $5.5M.
$2.2M total interest income against $1.8M; $808K total interest expense against $691K.
$1.4M net interest income against $1.1M.
$56K total noninterest income against $47K; $992K total noninterest expense against $781K.
$70K provision for credit losses against $34K.
$288K net income against $250K.
0.90% return on assets against 0.95%; 4.47% net interest margin against 4.33%.
11.58% tier 1 leverage ratio against 10.28%.
Inside the full The Farmers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Farmers Bank rankings
Its closest position to the top of a national ranking is 2,060 of 3,640, for Texas Ratio; its furthest is 3,369 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.48% (Q3 2024) to 1.18% (Q4 2025) and its net interest margin ran from 4.24% (Q4 2024) to 4.52% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.58% | 0.90% | 0.32% | 2.46% | 4.47% |
| Q1 2026 | 12.11% | 0.94% | 0.43% | 2.96% | 4.34% |
| Q4 2025 | 12.48% | 1.18% | 0.68% | 4.51% | 4.52% |
| Q3 2025 | 10.55% | 1.17% | 0.34% | 2.58% | 4.48% |
| Q2 2025 | 10.28% | 0.95% | 0.35% | 2.80% | 4.33% |
| Q1 2025 | 10.85% | 0.78% | 0.38% | 11.49% | 4.24% |
| Q4 2024 | 11.78% | 0.60% | 0.42% | 11.90% | 4.24% |
| Q3 2024 | 12.07% | 0.48% | 0.47% | 12.28% | 4.31% |
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 |
|---|---|---|---|
| The Farmers Bank | Carnegie , OK | 73015 | $71.3M |
| The Farmers Bank Branch | Oklahoma City , OK | 73103 | $49.8M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 130 of 192 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 The Farmers Bank
What are The Farmers Bank's total assets?
As of the Q2 2026 filing, The Farmers Bank reported total assets of $139.6 million in its FFIEC call report.
Where is The Farmers Bank headquartered?
It is headquartered in Carnegie, OK, United States.
When was The Farmers Bank founded?
It was established in 1905, per the FDIC institution directory.
Is The Farmers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers Bank?
The Farmers Bank's primary federal regulator is the FDIC.
How many branches does The Farmers Bank 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 The Farmers Bank's Texas Ratio?
Its Texas Ratio is 2.46% 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.
What was The Farmers Bank previously called?
The charter now named The Farmers Bank has also operated as The Farmers Bank (1970), per FDIC structure-change records.
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