Bank Safety Analysis
Farmers State Bank: final safety record
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The largest change between Q1 2026 and Q2 2026 was in net interest margin, which rose 0.16 percentage points to 3.94%. Farmers State Bank reported 14.09% on CET1 ratio for Q2 2026, 0.99 points below the 15.08% median for banks in the $100M-1B asset tier. From Q3 2023 to Q2 2026, Farmers State Bank's CET1 ratio ranged between 11.77% (Q3 2023) and 14.09% (Q2 2026) and its Texas ratio ranged between 1.55% (Q1 2024) and 5.94% (Q2 2024). Between Q2 2025 and Q2 2026, Farmers State Bank's CET1 ratio rose from 13.41% to 14.09%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.47% to 0.51%, Texas ratio rose from 4.83% to 4.86% and return on assets rose from 0.90% to 0.97%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 14.09% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 9.03% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.51% are within industry-normal range.
Texas Ratio of 4.9% is well below the 100% historical failure threshold.
Efficiency ratio of 64.4% reflects competitive operating costs (lower is better).
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 14.09% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 4.86% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.51% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 88.31% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 120.52% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.47% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 14.09% |
| Q1 2026 | 14.03% |
| Q4 2025 | 13.60% |
| Q3 2025 | 13.63% |
| Q2 2025 | 13.41% |
| Q1 2025 | 13.20% |
| Q4 2024 | 12.91% |
| Q3 2024 | 13.01% |
| Q2 2024 | 12.75% |
| Q1 2024 | 12.66% |
| Q4 2023 | 12.28% |
| Q3 2023 | 11.77% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 4.86% |
| Q1 2026 | 4.67% |
| Q4 2025 | 5.07% |
| Q3 2025 | 4.82% |
| Q2 2025 | 4.83% |
| Q1 2025 | 3.01% |
| Q4 2024 | 3.41% |
| Q3 2024 | 3.25% |
| Q2 2024 | 5.94% |
| Q1 2024 | 1.55% |
| Q4 2023 | 2.57% |
| Q3 2023 | 1.94% |
Farmers State Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 14.09% | 0.51% | 4.86% | 0.97% |
| Mar 31, 2026 | 14.03% | 0.50% | 4.67% | 1.05% |
| Dec 31, 2025 | 13.60% | 0.53% | 5.07% | 0.76% |
| Sep 30, 2025 | 13.63% | 0.50% | 4.82% | 1.01% |
| Jun 30, 2025 | 13.41% | 0.47% | 4.83% | 0.90% |
| Mar 31, 2025 | 13.20% | 0.29% | 3.01% | 0.84% |
| Dec 31, 2024 | 12.91% | 0.32% | 3.41% | 0.70% |
| Sep 30, 2024 | 13.01% | 0.32% | 3.25% | 0.83% |
| Jun 30, 2024 | 12.75% | 0.54% | 5.94% | 0.87% |
| Mar 31, 2024 | 12.66% | 0.14% | 1.55% | 0.74% |
| Dec 31, 2023 | 12.28% | 0.24% | 2.57% | 0.64% |
| Sep 30, 2023 | 11.77% | 0.16% | 1.94% | 0.84% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 13897) · FFIEC NIC profile (RSSD 757452)
Explore: Full Farmers State Bank profile · Other banks in MO · Metric glossary · How the call report works