Farmers Savings 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: 284.38 percentage points higher than in Q1 2026, at 480.99%. On return on assets, Farmers Savings Bank is 18th from the bottom among 225 Iowa banks, 0.69% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers Savings Bank sits 0.56 points lower, at 0.69% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.71% |
| Equity capital to assets | 11.34% |
| Tangible equity to tangible assets | 11.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 1.52% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 480.99% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 6.47% |
| Net interest margin | 3.31% |
| Efficiency ratio | 75.61% |
| Yield on earning assets | 5.10% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.55% |
| Core deposits to total deposits | 91.07% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.06% |
| Securities to assets | 20.26% |
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 | 15.47% | 0.35% | 2.40% | 1.54% | 0.04% |
| Q4 2023 | 15.41% | 0.94% | 2.43% | 1.22% | 0.12% |
| Q1 2024 | 15.33% | 0.06% | 2.14% | 1.07% | -0.01% |
| Q2 2024 | 15.31% | -0.04% | 2.02% | 1.01% | -0.01% |
| Q3 2024 | 14.98% | -0.17% | 2.22% | 0.99% | -0.02% |
| Q4 2024 | 13.99% | -3.53% | 2.37% | 0.80% | -0.00% |
| Q1 2025 | 13.83% | 0.32% | 2.72% | 0.71% | -0.01% |
| Q2 2025 | 13.97% | 0.46% | 2.90% | 0.72% | -0.02% |
| Q3 2025 | 13.56% | 0.52% | 3.12% | 0.69% | -0.01% |
| Q4 2025 | 13.14% | 0.62% | 3.06% | 0.67% | -0.00% |
| Q1 2026 | 13.39% | 0.58% | 3.19% | 0.68% | 0.11% |
| Q2 2026 | 13.71% | 0.69% | 3.31% | 0.27% | -0.02% |
Farmers Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10500) · FFIEC NIC profile (RSSD 380346)