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 Loan-to-deposit ratio: 7.20 percentage points higher than in Q1 2026, at 84.54%. Farmers State Bank ranks 50th of 225 Iowa banks on return on assets, in the upper half at 1.74% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers State Bank sits 0.49 points higher, at 1.74% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.70% |
| Equity capital to assets | 12.66% |
| Tangible equity to tangible assets | 12.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.61% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | -0.05% |
| Texas ratio | 4.91% |
| Allowance for credit losses to loans | 1.34% |
| Reserve coverage of non-performing loans | 220.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.74% |
| Return on equity | 14.14% |
| Net interest margin | 4.00% |
| Efficiency ratio | 55.76% |
| Yield on earning assets | 5.41% |
| Cost of funds | 1.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 84.54% |
| Core deposits to total deposits | 93.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.82% |
| Securities to assets | 19.89% |
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 | 12.04% | 1.25% | 3.31% | 0.33% | -0.00% |
| Q4 2023 | 11.86% | 0.99% | 3.39% | 0.09% | 0.00% |
| Q1 2024 | 12.04% | 1.19% | 3.23% | 0.09% | -0.01% |
| Q2 2024 | 12.07% | 1.23% | 3.16% | 0.09% | 0.10% |
| Q3 2024 | 12.17% | 1.04% | 3.31% | 0.10% | 0.00% |
| Q4 2024 | 12.11% | 1.22% | 3.58% | 0.09% | 0.00% |
| Q1 2025 | 12.23% | 1.25% | 3.59% | 0.09% | 0.00% |
| Q2 2025 | 12.78% | 1.44% | 3.71% | 0.14% | 0.02% |
| Q3 2025 | 13.45% | 1.46% | 4.02% | 0.06% | 0.08% |
| Q4 2025 | 13.13% | 1.36% | 3.92% | 0.47% | 0.22% |
| Q1 2026 | 12.33% | 1.30% | 3.57% | 0.63% | -0.02% |
| Q2 2026 | 12.70% | 1.74% | 4.00% | 0.61% | -0.05% |
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 8760) · FFIEC NIC profile (RSSD 208440)