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.
Non-performing loans to loans climbed 2.65 percentage points in Q2 2026, from 0.00% to 2.65%. It was the largest change from Q1 2026 among the key lines here. Within Washington, Farmers State Bank is 11th of 29 on return on assets, 1.10% as of Q2 2026, above the middle of the field. Farmers State Bank reported 1.10% on return on assets for Q2 2026, 0.11 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.38% |
| Equity capital to assets | 12.60% |
| Tangible equity to tangible assets | 12.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.65% |
| Non-performing assets ratio | 0.20% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.50% |
| Allowance for credit losses to loans | 6.27% |
| Reserve coverage of non-performing loans | 236.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 8.95% |
| Net interest margin | 3.43% |
| Efficiency ratio | 59.27% |
| Yield on earning assets | 3.82% |
| Cost of funds | 0.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 8.49% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.34% |
| Securities to assets | 37.87% |
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 | 112.53% | 112.53% | 113.81% | 8.56% | 0.17% |
| Q4 2023 | 110.70% | 110.70% | 111.99% | 8.63% | -0.11% |
| Q1 2024 | 128.67% | 128.67% | 129.97% | 8.76% | 0.43% |
| Q2 2024 | 122.36% | 122.36% | 123.67% | 9.18% | 0.66% |
| Q3 2024 | 109.16% | 109.16% | 110.45% | 9.75% | 0.83% |
| Q4 2024 | 123.02% | 123.02% | 124.32% | 9.64% | 0.68% |
| Q1 2025 | — | — | — | 10.34% | 1.10% |
| Q2 2025 | — | — | — | 10.92% | 1.01% |
| Q3 2025 | — | — | — | 11.03% | 1.30% |
| Q4 2025 | — | — | — | 11.15% | 0.67% |
| Q1 2026 | — | — | — | 11.68% | 1.29% |
| Q2 2026 | — | — | — | 12.38% | 1.10% |
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 6156) · FFIEC NIC profile (RSSD 694771)