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.
Reserve coverage of non-performing loans dropped 54.65 percentage points in Q2 2026, from 93.53% to 38.87%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Farmers Savings Bank is 13th from the bottom among 225 Iowa banks, 0.59% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Farmers Savings Bank reported 0.59% on return on assets in Q2 2026, 0.66 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.59% |
| Equity capital to assets | 11.89% |
| Tangible equity to tangible assets | 11.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.48% |
| Non-performing assets ratio | 2.81% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 21.69% |
| Allowance for credit losses to loans | 1.35% |
| Reserve coverage of non-performing loans | 38.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.59% |
| Return on equity | 5.05% |
| Net interest margin | 3.15% |
| Efficiency ratio | 67.37% |
| Yield on earning assets | 5.31% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.36% |
| Core deposits to total deposits | 80.79% |
| Brokered deposits to total deposits | 2.88% |
| Deposits to assets | 80.67% |
| Securities to assets | 14.63% |
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 | 12.58% | 0.58% | 2.46% | 0.01% | -0.07% |
| Q4 2023 | 12.72% | 0.45% | 2.33% | 0.07% | -0.01% |
| Q1 2024 | 12.70% | 0.18% | 2.23% | 0.07% | -0.12% |
| Q2 2024 | 12.35% | 0.06% | 2.09% | 0.34% | 0.00% |
| Q3 2024 | 12.38% | 0.50% | 2.36% | 0.32% | -0.00% |
| Q4 2024 | 12.30% | 0.67% | 2.48% | 0.31% | 0.02% |
| Q1 2025 | 12.67% | 0.27% | 2.74% | 1.66% | 0.00% |
| Q2 2025 | 12.61% | 0.74% | 2.98% | 1.81% | -0.00% |
| Q3 2025 | 12.74% | 0.98% | 3.08% | 1.84% | -0.00% |
| Q4 2025 | 12.54% | 0.96% | 3.33% | 1.36% | 0.25% |
| Q1 2026 | 12.47% | 0.91% | 3.22% | 1.43% | -0.00% |
| Q2 2026 | 12.59% | 0.59% | 3.15% | 3.48% | 0.01% |
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 18284) · FFIEC NIC profile (RSSD 624648)