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: 4336.11 percentage points higher than in Q1 2026, at 4500.00%. Within Indiana, Farmers State Bank is 10th of 87 on return on assets, 1.93% as of Q2 2026, above the middle of the field. Against a median of 1.28% for banks in the $1B-10B asset tier, Farmers State Bank reported 1.93% on return on assets in Q2 2026, 0.65 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 | 10.75% |
| Equity capital to assets | 9.87% |
| Tangible equity to tangible assets | 9.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | -0.02% |
| Texas ratio | 0.14% |
| Allowance for credit losses to loans | 0.93% |
| Reserve coverage of non-performing loans | 4500.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.93% |
| Return on equity | 19.51% |
| Net interest margin | 4.16% |
| Efficiency ratio | 46.06% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.44% |
| Core deposits to total deposits | 88.31% |
| Brokered deposits to total deposits | 5.56% |
| Deposits to assets | 88.28% |
| Securities to assets | 19.82% |
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 | 16.19% | 16.19% | 17.22% | 9.64% | 1.29% |
| Q4 2023 | 15.96% | 15.96% | 16.96% | 9.54% | 0.61% |
| Q1 2024 | 16.78% | 16.78% | 17.81% | 10.14% | 1.34% |
| Q2 2024 | 16.82% | 16.82% | 17.84% | 9.94% | 1.44% |
| Q3 2024 | 16.86% | 16.86% | 17.87% | 9.97% | 1.41% |
| Q4 2024 | 16.60% | 16.60% | 17.58% | 9.99% | 1.53% |
| Q1 2025 | 16.57% | 16.57% | 17.55% | 10.17% | 1.51% |
| Q2 2025 | 16.96% | 16.96% | 17.96% | 9.90% | 1.58% |
| Q3 2025 | 17.48% | 17.48% | 18.48% | 10.29% | 1.66% |
| Q4 2025 | 17.12% | 17.12% | 18.17% | 10.59% | 1.71% |
| Q1 2026 | 16.96% | 16.96% | 17.98% | 10.77% | 1.76% |
| Q2 2026 | — | — | — | 10.75% | 1.93% |
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 14578) · FFIEC NIC profile (RSSD 113441)