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: 996.60 percentage points lower than in Q1 2026, at 142.22%. Within Tennessee, Farmers State Bank is 89th of 109 on return on assets, 0.78% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers State Bank sits 0.48 points lower, at 0.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.20% |
| Tier 1 risk-based capital ratio | 18.20% |
| Total risk-based capital ratio | 19.45% |
| Tier 1 leverage ratio | 12.63% |
| Equity capital to assets | 9.89% |
| Tangible equity to tangible assets | 9.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.87% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.32% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 142.22% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 7.96% |
| Net interest margin | 3.74% |
| Efficiency ratio | 71.85% |
| Yield on earning assets | 5.14% |
| Cost of funds | 1.52% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.02% |
| Core deposits to total deposits | 91.75% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.56% |
| Securities to assets | 28.87% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 20.21% | 20.21% | 21.27% | 13.39% | 0.59% |
| Q4 2023 | 18.94% | 18.94% | 20.06% | 13.42% | 0.64% |
| Q1 2024 | 19.05% | 19.05% | 20.21% | 12.74% | 0.60% |
| Q2 2024 | 19.25% | 19.25% | 20.40% | 13.24% | 0.53% |
| Q3 2024 | 19.60% | 19.60% | 20.77% | 13.57% | 0.39% |
| Q4 2024 | 18.67% | 18.67% | 19.84% | 13.26% | 0.64% |
| Q1 2025 | 18.36% | 18.36% | 19.52% | 12.70% | 0.75% |
| Q2 2025 | 20.72% | 20.72% | 21.97% | 12.71% | 0.84% |
| Q3 2025 | 18.34% | 18.34% | 19.55% | 12.76% | 0.82% |
| Q4 2025 | 18.63% | 18.63% | 19.88% | 12.33% | 1.01% |
| Q1 2026 | 18.74% | 18.74% | 19.99% | 12.51% | 0.76% |
| Q2 2026 | 18.20% | 18.20% | 19.45% | 12.63% | 0.78% |
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 13775) · FFIEC NIC profile (RSSD 105530)