Farmers National 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 Q3 2026 was in Reserve coverage of non-performing loans: 58.78 percentage points higher than in Q2 2026, at 515.76%. Within Kansas, Farmers National Bank is 67th of 182 on return on assets, 1.62% as of Q3 2026, above the middle of the field. Farmers National Bank reported 1.62% on return on assets for Q3 2026, 0.37 points above the 1.25% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 36.74% |
| Tier 1 risk-based capital ratio | 36.74% |
| Total risk-based capital ratio | 37.99% |
| Tier 1 leverage ratio | 20.49% |
| Equity capital to assets | 21.46% |
| Tangible equity to tangible assets | 20.82% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.36% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.86% |
| Allowance for credit losses to loans | 1.83% |
| Reserve coverage of non-performing loans | 515.76% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.62% |
| Return on equity | 7.69% |
| Net interest margin | 3.91% |
| Efficiency ratio | 50.24% |
| Yield on earning assets | 5.12% |
| Cost of funds | 1.47% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 66.88% |
| Core deposits to total deposits | 95.14% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.14% |
| Securities to assets | 39.19% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 30.14% | 30.14% | 31.40% | 17.55% | 0.39% |
| Q1 2024 | 31.58% | 31.58% | 32.83% | 18.13% | 1.29% |
| Q2 2024 | 30.65% | 30.65% | 31.91% | 18.65% | 1.60% |
| Q3 2024 | 30.19% | 30.19% | 31.44% | 18.94% | 1.04% |
| Q4 2024 | 30.99% | 30.99% | 32.24% | 18.89% | 0.21% |
| Q1 2025 | 31.87% | 31.87% | 33.12% | 18.80% | 1.45% |
| Q2 2025 | 32.97% | 32.97% | 34.23% | 19.48% | 1.30% |
| Q3 2025 | 32.28% | 32.28% | 33.53% | 20.00% | 1.58% |
| Q4 2025 | 32.60% | 32.60% | 33.85% | 19.95% | 1.17% |
| Q1 2026 | 36.28% | 36.28% | 37.54% | 19.49% | 1.53% |
| Q2 2026 | 36.53% | 36.53% | 37.78% | 19.63% | 1.13% |
| Q3 2026 | 36.74% | 36.74% | 37.99% | 20.49% | 1.62% |
Farmers National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4611) · FFIEC NIC profile (RSSD 137559)