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: 401.61 percentage points higher than in Q1 2026, at 3253.47%. Within Texas, Farmers State Bank is 73rd of 345 on return on assets, 1.96% as of Q2 2026, above the middle of the field. Farmers State Bank's return on assets of 1.96% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.70 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.19% |
| Tier 1 risk-based capital ratio | 20.19% |
| Total risk-based capital ratio | 21.38% |
| Tier 1 leverage ratio | 14.41% |
| Equity capital to assets | 13.77% |
| Tangible equity to tangible assets | 13.77% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.27% |
| Net charge-off ratio | -0.19% |
| Texas ratio | 4.06% |
| Allowance for credit losses to loans | 1.42% |
| Reserve coverage of non-performing loans | 3253.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 14.08% |
| Net interest margin | 4.76% |
| Efficiency ratio | 58.45% |
| Yield on earning assets | 5.87% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.97% |
| Core deposits to total deposits | 88.41% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.58% |
| Securities to assets | 24.15% |
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 | 21.29% | 21.29% | 22.54% | 14.30% | 1.88% |
| Q4 2023 | 21.01% | 21.01% | 22.26% | 13.98% | 1.75% |
| Q1 2024 | 21.55% | 21.55% | 22.81% | 14.47% | 2.01% |
| Q2 2024 | 21.61% | 21.61% | 22.86% | 14.81% | 1.68% |
| Q3 2024 | 23.41% | 23.41% | 24.67% | 15.48% | 1.77% |
| Q4 2024 | 21.62% | 21.62% | 22.87% | 14.60% | 2.14% |
| Q1 2025 | 23.56% | 23.56% | 24.81% | 14.81% | 1.89% |
| Q2 2025 | 23.09% | 23.09% | 24.34% | 14.93% | 1.78% |
| Q3 2025 | 23.75% | 23.75% | 25.00% | 15.09% | 1.88% |
| Q4 2025 | 19.63% | 19.63% | 20.72% | 14.66% | 2.03% |
| Q1 2026 | 20.38% | 20.38% | 21.50% | 14.66% | 2.25% |
| Q2 2026 | 20.19% | 20.19% | 21.38% | 14.41% | 1.96% |
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 13407) · FFIEC NIC profile (RSSD 875057)