Farmers State 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: 142.52 percentage points lower than in Q1 2026, at 526.29%. On return on assets, Farmers State Bank ranks 5th highest among the 225 banks headquartered in Iowa, at 2.63% (Q2 2026). Against a median of 1.28% for banks in the $1B-10B asset tier, Farmers State Bank reported 2.63% on return on assets in Q2 2026, 1.35 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.37% |
| Equity capital to assets | 14.00% |
| Tangible equity to tangible assets | 13.96% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.17% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 1.12% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 526.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.63% |
| Return on equity | 19.19% |
| Net interest margin | 3.78% |
| Efficiency ratio | 41.28% |
| Yield on earning assets | 5.57% |
| Cost of funds | 2.14% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.79% |
| Core deposits to total deposits | 93.38% |
| Brokered deposits to total deposits | 4.35% |
| Deposits to assets | 82.20% |
| Securities to assets | 18.86% |
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 | 13.46% | 1.00% | 2.61% | 0.00% | 0.00% |
| Q4 2023 | 13.68% | 0.83% | 2.47% | 0.00% | 0.02% |
| Q1 2024 | 13.56% | 0.61% | 2.40% | 0.00% | 0.00% |
| Q2 2024 | 13.37% | 0.69% | 2.50% | 0.00% | -0.00% |
| Q3 2024 | 13.54% | 0.95% | 2.59% | 0.02% | -0.00% |
| Q4 2024 | 13.97% | 1.23% | 2.73% | 0.29% | 0.00% |
| Q1 2025 | 14.22% | 1.08% | 2.95% | 0.23% | -0.00% |
| Q2 2025 | 14.05% | 1.56% | 3.22% | 0.22% | -0.00% |
| Q3 2025 | 14.15% | 1.65% | 3.36% | 0.24% | -0.00% |
| Q4 2025 | 13.92% | 1.77% | 3.52% | 0.16% | -0.00% |
| Q1 2026 | 14.12% | 1.69% | 3.55% | 0.17% | -0.00% |
| Q2 2026 | 14.37% | 2.63% | 3.78% | 0.21% | -0.00% |
Farmers State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14209) · FFIEC NIC profile (RSSD 1006148)