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: 4.27 percentage points lower than in Q1 2026, at 104.49%. Farmers State Bank ranks 143rd of 182 Kansas banks on return on assets, in the lower half at 1.07% (Q2 2026). The median for banks in the < $100M asset tier is 0.98% on return on assets. Farmers State Bank sits 0.09 points higher, at 1.07% (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 | 11.73% |
| Equity capital to assets | 9.49% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.68% |
| Non-performing assets ratio | 0.89% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 8.50% |
| Allowance for credit losses to loans | 1.76% |
| Reserve coverage of non-performing loans | 104.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 11.95% |
| Net interest margin | 3.54% |
| Efficiency ratio | 67.01% |
| Yield on earning assets | 5.04% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.29% |
| Core deposits to total deposits | 96.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.56% |
| Securities to assets | 36.93% |
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 | 12.08% | 0.64% | 3.18% | 2.32% | -0.02% |
| Q4 2023 | 12.20% | 1.50% | 3.26% | 2.39% | -0.04% |
| Q1 2024 | 11.65% | 0.61% | 3.01% | 2.38% | -0.04% |
| Q2 2024 | 11.66% | 0.79% | 3.15% | 1.67% | -0.04% |
| Q3 2024 | 11.84% | 0.63% | 2.95% | 1.89% | -0.05% |
| Q4 2024 | 11.74% | 0.34% | 3.15% | 2.06% | 0.52% |
| Q1 2025 | 11.97% | 0.57% | 3.06% | 3.37% | -0.34% |
| Q2 2025 | 12.27% | 1.10% | 3.60% | 3.08% | -0.02% |
| Q3 2025 | 12.17% | 1.07% | 3.61% | 2.49% | -0.03% |
| Q4 2025 | 12.02% | 0.80% | 3.31% | 2.37% | -0.02% |
| Q1 2026 | 11.82% | 0.77% | 3.44% | 1.70% | 0.00% |
| Q2 2026 | 11.73% | 1.07% | 3.54% | 1.68% | -0.04% |
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 14344) · FFIEC NIC profile (RSSD 603559)