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: 222.68 percentage points lower than in Q1 2026, at 123.46%. Farmers Savings Bank ranks 196th of 225 Iowa banks on return on assets, in the lower half at 0.82% (Q2 2026). Farmers Savings Bank reported 0.82% on return on assets for Q2 2026, 0.44 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 | 10.99% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 9.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.72% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 11.57% |
| Allowance for credit losses to loans | 2.12% |
| Reserve coverage of non-performing loans | 123.46% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 8.50% |
| Net interest margin | 3.00% |
| Efficiency ratio | 66.60% |
| Yield on earning assets | 5.66% |
| Cost of funds | 2.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.66% |
| Core deposits to total deposits | 85.16% |
| Brokered deposits to total deposits | 4.51% |
| Deposits to assets | 86.99% |
| Securities to assets | 24.77% |
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 | 12.54% | 0.74% | 2.59% | 0.26% | -0.00% |
| Q4 2023 | 11.92% | 0.38% | 2.47% | 0.25% | -0.03% |
| Q1 2024 | 12.72% | 0.70% | 2.62% | 0.01% | 0.29% |
| Q2 2024 | 13.06% | 0.40% | 2.36% | 0.01% | -0.01% |
| Q3 2024 | 12.79% | 0.61% | 2.55% | 0.00% | 0.00% |
| Q4 2024 | 12.44% | 0.46% | 2.57% | 0.00% | 0.04% |
| Q1 2025 | 12.38% | 0.53% | 3.12% | 1.51% | -0.01% |
| Q2 2025 | 10.98% | 0.91% | 2.88% | 1.51% | 0.06% |
| Q3 2025 | 11.18% | 1.15% | 3.06% | 0.58% | -0.03% |
| Q4 2025 | 10.79% | 0.62% | 2.75% | 0.65% | -0.01% |
| Q1 2026 | 11.04% | 0.91% | 2.99% | 0.64% | 0.02% |
| Q2 2026 | 10.99% | 0.82% | 3.00% | 1.72% | 0.00% |
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 14807) · FFIEC NIC profile (RSSD 774347)