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 Deposits to assets: 1.09 percentage points lower than in Q1 2026, at 78.53%. Farmers State Bank ranks 91st of 225 Iowa banks on return on assets, in the upper half at 1.52% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Farmers State Bank sits 0.24 points higher, at 1.52% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.41% |
| Tier 1 risk-based capital ratio | 13.41% |
| Total risk-based capital ratio | 14.51% |
| Tier 1 leverage ratio | 11.20% |
| Equity capital to assets | 10.80% |
| Tangible equity to tangible assets | 10.80% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.09% |
| Allowance for credit losses to loans | 1.06% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 14.31% |
| Net interest margin | 3.22% |
| Efficiency ratio | 48.49% |
| Yield on earning assets | 5.58% |
| Cost of funds | 2.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.89% |
| Core deposits to total deposits | 82.41% |
| Brokered deposits to total deposits | 5.42% |
| Deposits to assets | 78.53% |
| Securities to assets | 14.16% |
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 | 12.36% | 12.36% | 13.60% | 9.84% | 0.34% |
| Q4 2023 | 12.32% | 12.32% | 13.56% | 9.77% | 0.37% |
| Q1 2024 | 12.10% | 12.10% | 13.31% | 9.61% | 0.22% |
| Q2 2024 | 12.01% | 12.01% | 13.14% | 9.59% | 0.25% |
| Q3 2024 | 12.05% | 12.05% | 13.16% | 9.61% | 0.37% |
| Q4 2024 | 12.18% | 12.18% | 13.28% | 9.65% | 0.76% |
| Q1 2025 | 12.30% | 12.30% | 13.40% | 9.69% | 0.70% |
| Q2 2025 | 12.62% | 12.62% | 13.71% | 10.05% | 1.02% |
| Q3 2025 | 12.80% | 12.80% | 13.88% | 10.34% | 1.10% |
| Q4 2025 | 12.83% | 12.83% | 13.91% | 10.62% | 1.42% |
| Q1 2026 | 13.25% | 13.25% | 14.36% | 10.77% | 1.34% |
| Q2 2026 | 13.41% | 13.41% | 14.51% | 11.20% | 1.52% |
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 12855) · FFIEC NIC profile (RSSD 840747)