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: 4.44 percentage points higher than in Q1 2026, at 52.97%. Farmers State Bank ranks 14th of 24 Wyoming banks on return on assets, in the lower half at 1.29% (Q2 2026). Farmers State Bank reported 1.29% on return on assets for Q2 2026, 0.31 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 27.75% |
| Tier 1 risk-based capital ratio | 27.75% |
| Total risk-based capital ratio | 29.00% |
| Tier 1 leverage ratio | 10.85% |
| Equity capital to assets | 11.40% |
| Tangible equity to tangible assets | 11.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 12.07% |
| Net interest margin | 4.58% |
| Efficiency ratio | 65.48% |
| Yield on earning assets | 5.33% |
| Cost of funds | 0.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.97% |
| Core deposits to total deposits | 92.73% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.04% |
| Securities to assets | 0.39% |
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 | 22.04% | 22.04% | 23.29% | 9.78% | 0.88% |
| Q4 2023 | 23.22% | 23.22% | 24.47% | 9.90% | 1.33% |
| Q1 2024 | 22.93% | 22.93% | 24.19% | 10.15% | 1.28% |
| Q2 2024 | 24.34% | 24.34% | 25.59% | 10.24% | 1.30% |
| Q3 2024 | 23.32% | 23.32% | 24.57% | 10.74% | 1.16% |
| Q4 2024 | 23.67% | 23.67% | 24.92% | 10.84% | 1.43% |
| Q1 2025 | 24.83% | 24.83% | 26.08% | 10.35% | 1.26% |
| Q2 2025 | 26.09% | 26.09% | 27.35% | 10.82% | 1.50% |
| Q3 2025 | 26.00% | 26.00% | 27.25% | 11.02% | 1.41% |
| Q4 2025 | 26.96% | 26.96% | 28.21% | 11.28% | 1.86% |
| Q1 2026 | 29.48% | 29.48% | 30.73% | 11.22% | 0.79% |
| Q2 2026 | 27.75% | 27.75% | 29.00% | 10.85% | 1.29% |
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 526) · FFIEC NIC profile (RSSD 542854)