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: 539.37 percentage points lower than in Q1 2026, at 1205.98%. Within Georgia, Farmers State Bank is 19th of 121 on return on assets, 2.19% as of Q2 2026, above the middle of the field. Farmers State Bank's return on assets of 2.19% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.93 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.09% |
| Tier 1 risk-based capital ratio | 18.09% |
| Total risk-based capital ratio | 19.36% |
| Tier 1 leverage ratio | 13.92% |
| Equity capital to assets | 12.98% |
| Tangible equity to tangible assets | 12.98% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.20% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 2.15% |
| Allowance for credit losses to loans | 2.43% |
| Reserve coverage of non-performing loans | 1205.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.19% |
| Return on equity | 17.15% |
| Net interest margin | 5.32% |
| Efficiency ratio | 59.64% |
| Yield on earning assets | 6.26% |
| Cost of funds | 1.09% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 92.57% |
| Core deposits to total deposits | 89.16% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.97% |
| Securities to assets | 12.15% |
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 | 16.58% | 16.58% | 17.85% | 12.93% | 1.85% |
| Q4 2023 | 16.99% | 16.99% | 18.25% | 13.50% | 1.85% |
| Q1 2024 | 16.14% | 16.14% | 17.41% | 13.05% | 1.76% |
| Q2 2024 | 16.42% | 16.42% | 17.69% | 12.75% | 1.73% |
| Q3 2024 | — | — | — | 13.34% | 1.87% |
| Q4 2024 | 16.71% | 16.71% | 17.97% | 12.87% | 1.81% |
| Q1 2025 | 16.99% | 16.99% | 18.25% | 13.28% | 1.87% |
| Q2 2025 | 17.09% | 17.09% | 18.36% | 13.32% | 2.02% |
| Q3 2025 | 17.73% | 17.73% | 19.00% | 13.33% | 2.18% |
| Q4 2025 | 17.59% | 17.59% | 18.86% | 13.85% | 2.28% |
| Q1 2026 | 17.99% | 17.99% | 19.26% | 13.87% | 2.10% |
| Q2 2026 | 18.09% | 18.09% | 19.36% | 13.92% | 2.19% |
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 19720) · FFIEC NIC profile (RSSD 113030)