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.
Loan-to-deposit ratio climbed 3.07 percentage points in Q2 2026, from 37.36% to 40.43%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Farmers State Bank is 162nd of 225 on return on assets, 1.14% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. Farmers State Bank sits 0.16 points higher, at 1.14% (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 | 13.07% |
| Equity capital to assets | 14.00% |
| Tangible equity to tangible assets | 14.00% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 3.24% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 8.73% |
| Net interest margin | 3.69% |
| Efficiency ratio | 50.92% |
| Yield on earning assets | 4.77% |
| Cost of funds | 1.24% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.43% |
| Core deposits to total deposits | 97.40% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.83% |
| Securities to assets | 23.21% |
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 | 12.92% | 0.70% | 2.62% | 0.00% | 0.03% |
| Q4 2023 | 13.02% | 0.77% | 2.87% | 0.00% | 0.00% |
| Q1 2024 | 13.29% | 0.70% | 2.97% | 0.00% | 0.00% |
| Q2 2024 | 13.60% | 1.05% | 3.15% | 0.00% | 0.00% |
| Q3 2024 | 14.18% | 0.66% | 3.22% | 0.00% | 0.10% |
| Q4 2024 | 13.60% | 0.51% | 3.26% | 0.00% | -0.03% |
| Q1 2025 | 13.15% | 0.57% | 3.20% | 0.00% | 0.00% |
| Q2 2025 | 13.52% | 0.80% | 3.35% | 0.00% | 0.26% |
| Q3 2025 | 13.96% | 1.15% | 3.49% | 0.00% | -0.03% |
| Q4 2025 | 13.82% | 0.48% | 3.55% | 0.00% | 0.00% |
| Q1 2026 | 13.53% | 1.03% | 3.59% | 0.00% | -0.06% |
| Q2 2026 | 13.07% | 1.14% | 3.69% | 0.00% | 0.03% |
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 9295) · FFIEC NIC profile (RSSD 749840)