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: 172.23 percentage points higher than in Q1 2026, at 410.43%. The Farmers Bank ranks 135th of 169 Oklahoma banks on return on assets, in the lower half at 0.90% (Q2 2026). The Farmers Bank reported 0.90% on return on assets for Q2 2026, 0.34 points below 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 | 11.58% |
| Equity capital to assets | 10.41% |
| Tangible equity to tangible assets | 10.41% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.23% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.67% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 410.43% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.90% |
| Return on equity | 8.00% |
| Net interest margin | 4.47% |
| Efficiency ratio | 68.41% |
| Yield on earning assets | 7.06% |
| Cost of funds | 2.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.93% |
| Core deposits to total deposits | 64.05% |
| Brokered deposits to total deposits | 14.86% |
| Deposits to assets | 86.76% |
| Securities to assets | 2.88% |
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 | 12.31% | 0.80% | 4.47% | 2.43% | -0.09% |
| Q4 2023 | 12.33% | 0.65% | 4.57% | 0.78% | -0.01% |
| Q1 2024 | 12.10% | 0.81% | 4.69% | 0.74% | -0.16% |
| Q2 2024 | 12.12% | 1.00% | 4.98% | 1.14% | 0.34% |
| Q3 2024 | 12.07% | 0.48% | 4.31% | 0.94% | 0.38% |
| Q4 2024 | 11.78% | 0.60% | 4.24% | 0.87% | -0.02% |
| Q1 2025 | 10.85% | 0.78% | 4.24% | 0.81% | -0.01% |
| Q2 2025 | 10.28% | 0.95% | 4.33% | 0.75% | 0.00% |
| Q3 2025 | 10.55% | 1.17% | 4.48% | 0.72% | 0.02% |
| Q4 2025 | 12.48% | 1.18% | 4.52% | 0.59% | 0.01% |
| Q1 2026 | 12.11% | 0.94% | 4.34% | 0.49% | 0.06% |
| Q2 2026 | 11.58% | 0.90% | 4.47% | 0.27% | 0.01% |
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 4054) · FFIEC NIC profile (RSSD 998657)