The Farmers State Bank of Turton: 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: 6.92 percentage points higher than in Q1 2026, at 62.07%. The Farmers State Bank of Turton has the 6th lowest return on assets of the 56 banks headquartered in South Dakota, at 0.60% as of Q2 2026. The Farmers State Bank of Turton reported 0.60% on return on assets for Q2 2026, 0.39 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.46% |
| Tier 1 risk-based capital ratio | 19.46% |
| Total risk-based capital ratio | 20.49% |
| Tier 1 leverage ratio | 10.93% |
| Equity capital to assets | 10.24% |
| Tangible equity to tangible assets | 10.24% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.20% |
| Non-performing assets ratio | 1.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 10.68% |
| Allowance for credit losses to loans | 1.08% |
| Reserve coverage of non-performing loans | 48.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.60% |
| Return on equity | 5.72% |
| Net interest margin | 3.77% |
| Efficiency ratio | 82.87% |
| Yield on earning assets | 5.58% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.07% |
| Core deposits to total deposits | 85.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 84.55% |
| Securities to assets | 26.81% |
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 | 25.74% | 25.74% | 26.99% | 11.34% | -0.36% |
| Q4 2023 | 28.05% | 28.05% | 29.30% | 11.25% | -0.31% |
| Q1 2024 | 28.30% | 28.30% | 29.55% | 11.09% | -0.13% |
| Q2 2024 | 21.53% | 21.53% | 22.78% | 10.77% | -0.42% |
| Q3 2024 | 21.24% | 21.24% | 22.46% | 10.56% | 0.24% |
| Q4 2024 | 21.42% | 21.42% | 22.63% | 10.59% | 0.56% |
| Q1 2025 | 23.29% | 23.29% | 24.54% | 10.66% | 0.80% |
| Q2 2025 | 22.62% | 22.62% | 23.86% | 10.03% | 0.27% |
| Q3 2025 | 24.69% | 24.69% | 25.94% | 10.72% | 1.79% |
| Q4 2025 | 24.00% | 24.00% | 25.25% | 11.04% | 0.37% |
| Q1 2026 | 19.78% | 19.78% | 20.84% | 10.81% | -0.14% |
| Q2 2026 | 19.46% | 19.46% | 20.49% | 10.93% | 0.60% |
The Farmers State Bank of Turton vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers State Bank of Turton, 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 The Farmers State Bank of Turton profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6084) · FFIEC NIC profile (RSSD 496957)