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: 59.21 percentage points lower than in Q1 2026, at 194.24%. Farmers State Bank ranks 31st of 35 Montana banks on return on assets, in the lower half at 0.86% (Q2 2026). Farmers State Bank reported 0.86% on return on assets for Q2 2026, 0.39 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.15% |
| Tier 1 risk-based capital ratio | 12.15% |
| Total risk-based capital ratio | 13.40% |
| Tier 1 leverage ratio | 8.84% |
| Equity capital to assets | 6.80% |
| Tangible equity to tangible assets | 6.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.68% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 5.92% |
| Allowance for credit losses to loans | 1.33% |
| Reserve coverage of non-performing loans | 194.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 12.93% |
| Net interest margin | 4.08% |
| Efficiency ratio | 72.17% |
| Yield on earning assets | 5.56% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.12% |
| Core deposits to total deposits | 90.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.05% |
| Securities to assets | 26.26% |
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 | 12.22% | 12.22% | 13.47% | 8.44% | 0.45% |
| Q4 2023 | 12.55% | 12.55% | 13.80% | 8.45% | 0.57% |
| Q1 2024 | 12.37% | 12.37% | 13.62% | 8.13% | 0.29% |
| Q2 2024 | 12.51% | 12.51% | 13.76% | 8.47% | 0.20% |
| Q3 2024 | 12.56% | 12.56% | 13.81% | 8.44% | 0.55% |
| Q4 2024 | 12.86% | 12.86% | 14.11% | 8.56% | 0.99% |
| Q1 2025 | 12.98% | 12.98% | 14.23% | 8.91% | 0.85% |
| Q2 2025 | 12.99% | 12.99% | 14.25% | 9.14% | 0.91% |
| Q3 2025 | 12.92% | 12.92% | 14.17% | 9.23% | 1.03% |
| Q4 2025 | 12.77% | 12.77% | 14.02% | 9.18% | 0.96% |
| Q1 2026 | 12.72% | 12.72% | 13.97% | 9.00% | 1.04% |
| Q2 2026 | 12.15% | 12.15% | 13.40% | 8.84% | 0.86% |
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 342) · FFIEC NIC profile (RSSD 475354)