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.
Loan-to-deposit ratio climbed 1.80 percentage points in Q2 2026, from 50.79% to 52.59%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Farmers State Bank is 150th of 345 on return on assets, 1.59% as of Q2 2026, above 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 0.34 points higher, at 1.59% (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 | 9.39% |
| Equity capital to assets | 8.80% |
| Tangible equity to tangible assets | 8.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.18% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.04% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 103.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.59% |
| Return on equity | 17.74% |
| Net interest margin | 4.65% |
| Efficiency ratio | 71.48% |
| Yield on earning assets | 5.29% |
| Cost of funds | 0.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.59% |
| Core deposits to total deposits | 93.86% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.17% |
| Securities to assets | 33.67% |
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 | 14.03% | 14.03% | 15.04% | 8.30% | 1.17% |
| Q4 2023 | 13.69% | 13.69% | 14.64% | 8.49% | 1.44% |
| Q1 2024 | 13.74% | 13.74% | 14.68% | 8.47% | 1.41% |
| Q2 2024 | 12.94% | 12.94% | 13.84% | 8.50% | 1.44% |
| Q3 2024 | 14.16% | 14.16% | 15.14% | 8.77% | 1.22% |
| Q4 2024 | 13.58% | 13.58% | 14.50% | 9.02% | 1.53% |
| Q1 2025 | — | — | — | 9.36% | 1.63% |
| Q2 2025 | — | — | — | 9.62% | 1.76% |
| Q3 2025 | — | — | — | 9.42% | 1.75% |
| Q4 2025 | — | — | — | 9.50% | 1.71% |
| Q1 2026 | — | — | — | 9.45% | 1.52% |
| Q2 2026 | — | — | — | 9.39% | 1.59% |
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 15367) · FFIEC NIC profile (RSSD 461058)