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: 10.50 percentage points higher than in Q1 2026, at 179.83%. Farmers State Bank ranks 70th of 156 Ohio banks on return on assets, in the upper half at 1.15% (Q2 2026). Farmers State Bank reported 1.15% on return on assets for Q2 2026, 0.11 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.88% |
| Tier 1 risk-based capital ratio | 12.88% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 7.23% |
| Tangible equity to tangible assets | 7.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.63% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 6.99% |
| Allowance for credit losses to loans | 1.13% |
| Reserve coverage of non-performing loans | 179.83% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.15% |
| Return on equity | 16.29% |
| Net interest margin | 4.45% |
| Efficiency ratio | 69.63% |
| Yield on earning assets | 5.13% |
| Cost of funds | 0.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.57% |
| Core deposits to total deposits | 96.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.94% |
| Securities to assets | 19.79% |
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 | 12.92% | 12.92% | 13.82% | 8.58% | 0.78% |
| Q4 2023 | 12.60% | 12.60% | 13.48% | 8.41% | 0.75% |
| Q1 2024 | 12.42% | 12.42% | 13.27% | 8.43% | 0.64% |
| Q2 2024 | 12.22% | 12.22% | 13.09% | 8.32% | 0.59% |
| Q3 2024 | 12.42% | 12.42% | 13.29% | 8.32% | 0.88% |
| Q4 2024 | 12.80% | 12.80% | 13.69% | 8.38% | 0.98% |
| Q1 2025 | 13.10% | 13.10% | 14.02% | 8.84% | 0.71% |
| Q2 2025 | 12.85% | 12.85% | 13.82% | 8.91% | 0.82% |
| Q3 2025 | 13.01% | 13.01% | 13.99% | 8.94% | 1.20% |
| Q4 2025 | 12.96% | 12.96% | 14.05% | 8.82% | 0.50% |
| Q1 2026 | 12.92% | 12.92% | 13.96% | 8.98% | 0.99% |
| Q2 2026 | 12.88% | 12.88% | 13.97% | 9.30% | 1.15% |
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 8647) · FFIEC NIC profile (RSSD 327220)