Farmers State Bank of Hamel: 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 Loan-to-deposit ratio: 3.87 percentage points lower than in Q1 2026, at 35.18%. Farmers State Bank of Hamel ranks 189th of 221 Minnesota banks on return on assets, in the lower half at 0.75% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers State Bank of Hamel sits 0.50 points lower, at 0.75% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.52% |
| Equity capital to assets | 6.32% |
| Tangible equity to tangible assets | 6.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.75% |
| Return on equity | 12.23% |
| Net interest margin | 2.69% |
| Efficiency ratio | 64.00% |
| Yield on earning assets | 4.10% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.18% |
| Core deposits to total deposits | 86.90% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 93.31% |
| Securities to assets | 54.67% |
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 | 18.45% | 18.45% | 19.34% | 9.49% | 0.69% |
| Q4 2023 | 19.24% | 19.24% | 20.21% | 9.39% | 0.24% |
| Q1 2024 | 18.52% | 18.52% | 19.51% | 8.79% | 0.42% |
| Q2 2024 | 18.49% | 18.49% | 19.52% | 8.24% | 0.31% |
| Q3 2024 | 19.63% | 19.63% | 20.70% | 8.55% | 0.80% |
| Q4 2024 | 19.45% | 19.45% | 20.50% | 8.55% | 0.56% |
| Q1 2025 | 19.76% | 19.76% | 20.84% | 8.62% | 0.87% |
| Q2 2025 | 20.56% | 20.56% | 21.71% | 8.65% | 0.62% |
| Q3 2025 | 21.56% | 21.56% | 22.73% | 8.59% | 0.85% |
| Q4 2025 | 22.60% | 22.60% | 23.80% | 8.90% | 0.64% |
| Q1 2026 | — | — | — | 9.36% | 0.98% |
| Q2 2026 | — | — | — | 9.52% | 0.75% |
Farmers State Bank of Hamel vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank of Hamel, 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 of Hamel profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8214) · FFIEC NIC profile (RSSD 1006157)