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: 198.63 percentage points higher than in Q1 2026, at 304.81%. Within Iowa, Farmers State Bank is 157th of 225 on return on assets, 1.17% as of Q2 2026, below 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 0.09 points lower, at 1.17% (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 | 12.73% |
| Equity capital to assets | 9.90% |
| Tangible equity to tangible assets | 9.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.43% |
| Non-performing assets ratio | 0.32% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.21% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 304.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.17% |
| Return on equity | 11.90% |
| Net interest margin | 4.02% |
| Efficiency ratio | 57.65% |
| Yield on earning assets | 5.75% |
| Cost of funds | 1.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.04% |
| Core deposits to total deposits | 90.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.64% |
| Securities to assets | 21.09% |
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 | 11.80% | 0.67% | 2.53% | 0.24% | 0.04% |
| Q4 2023 | 11.89% | 0.40% | 2.47% | 0.21% | 0.20% |
| Q1 2024 | 11.74% | -0.76% | 2.46% | 0.24% | -0.04% |
| Q2 2024 | 12.93% | 0.91% | 2.97% | 0.16% | 0.02% |
| Q3 2024 | 13.05% | 0.45% | 3.29% | 0.37% | 0.05% |
| Q4 2024 | 12.83% | 0.57% | 3.43% | 0.37% | 0.11% |
| Q1 2025 | 12.79% | 1.09% | 3.37% | 0.55% | -0.07% |
| Q2 2025 | 12.57% | -0.09% | 3.44% | 0.67% | 0.62% |
| Q3 2025 | 12.52% | 0.84% | 3.41% | 1.64% | 0.36% |
| Q4 2025 | 12.43% | 0.38% | 3.56% | 1.45% | -0.01% |
| Q1 2026 | 12.74% | 0.91% | 3.67% | 1.17% | -0.00% |
| Q2 2026 | 12.73% | 1.17% | 4.02% | 0.43% | 0.01% |
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 5797) · FFIEC NIC profile (RSSD 537243)