Farmers State Bank, Inc: 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: 14.81 percentage points lower than in Q1 2026, at 202.18%. Within Kentucky, Farmers State Bank, Inc is 85th of 119 on return on assets, 1.04% as of Q2 2026, below the middle of the field. Farmers State Bank, Inc reported 1.04% on return on assets for Q2 2026, 0.05 points above the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.53% |
| Tier 1 risk-based capital ratio | 17.53% |
| Total risk-based capital ratio | 18.78% |
| Tier 1 leverage ratio | 10.71% |
| Equity capital to assets | 7.65% |
| Tangible equity to tangible assets | 7.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.96% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 5.22% |
| Allowance for credit losses to loans | 1.95% |
| Reserve coverage of non-performing loans | 202.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 14.23% |
| Net interest margin | 3.96% |
| Efficiency ratio | 72.55% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 45.70% |
| Core deposits to total deposits | 86.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.16% |
| Securities to assets | 48.82% |
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 | 14.92% | 14.92% | 16.08% | 11.02% | 1.23% |
| Q4 2023 | 15.67% | 15.67% | 16.88% | 11.20% | 1.39% |
| Q1 2024 | 15.65% | 15.65% | 16.74% | 11.15% | 0.94% |
| Q2 2024 | 15.94% | 15.94% | 17.07% | 11.19% | 1.18% |
| Q3 2024 | 16.33% | 16.33% | 17.52% | 11.56% | 1.20% |
| Q4 2024 | 16.97% | 16.97% | 18.17% | 12.00% | 1.61% |
| Q1 2025 | 17.01% | 17.01% | 18.24% | 11.78% | 1.21% |
| Q2 2025 | 17.39% | 17.39% | 18.63% | 11.78% | 1.37% |
| Q3 2025 | 17.28% | 17.28% | 18.53% | 11.64% | 1.40% |
| Q4 2025 | 17.50% | 17.50% | 18.75% | 11.53% | 1.22% |
| Q1 2026 | 17.54% | 17.54% | 18.79% | 10.97% | 1.14% |
| Q2 2026 | 17.53% | 17.53% | 18.78% | 10.71% | 1.04% |
Farmers State Bank, Inc vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank, Inc, 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, Inc profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5838) · FFIEC NIC profile (RSSD 131717)