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: 385.30 percentage points lower than in Q1 2026, at 978.00%. On return on assets, Farmers State Bank ranks 6th highest among the 121 banks headquartered in Georgia, at 2.80% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Farmers State Bank reported 2.80% on return on assets in Q2 2026, 1.55 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 31.65% |
| Tier 1 risk-based capital ratio | 31.65% |
| Total risk-based capital ratio | 32.91% |
| Tier 1 leverage ratio | 15.44% |
| Equity capital to assets | 13.40% |
| Tangible equity to tangible assets | 13.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.17% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.15% |
| Texas ratio | 0.57% |
| Allowance for credit losses to loans | 1.65% |
| Reserve coverage of non-performing loans | 978.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.80% |
| Return on equity | 21.37% |
| Net interest margin | 5.37% |
| Efficiency ratio | 49.49% |
| Yield on earning assets | 5.98% |
| Cost of funds | 0.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.63% |
| Core deposits to total deposits | 96.05% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.08% |
| Securities to assets | 24.97% |
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 | 30.28% | 30.28% | 31.54% | 14.87% | 2.95% |
| Q4 2023 | 30.15% | 30.15% | 31.40% | 15.08% | 3.08% |
| Q1 2024 | 31.13% | 31.13% | 32.39% | 15.54% | 2.59% |
| Q2 2024 | 32.18% | 32.18% | 33.44% | 15.71% | 2.57% |
| Q3 2024 | 32.50% | 32.50% | 33.76% | 15.86% | 2.20% |
| Q4 2024 | 31.84% | 31.84% | 33.09% | 14.40% | 2.11% |
| Q1 2025 | 32.81% | 32.81% | 34.07% | 14.66% | 2.66% |
| Q2 2025 | 32.59% | 32.59% | 33.84% | 15.10% | 2.80% |
| Q3 2025 | 33.59% | 33.59% | 34.85% | 16.01% | 2.99% |
| Q4 2025 | 31.86% | 31.86% | 33.12% | 15.45% | 2.94% |
| Q1 2026 | 33.82% | 33.82% | 35.07% | 15.91% | 2.44% |
| Q2 2026 | 31.65% | 31.65% | 32.91% | 15.44% | 2.80% |
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 879) · FFIEC NIC profile (RSSD 773032)