The 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: 29.10 percentage points higher than in Q1 2026, at 1437.57%. Within Ohio, The Farmers State Bank is 31st of 156 on return on assets, 1.45% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Farmers State Bank sits 0.19 points higher, at 1.45% (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 | 10.86% |
| Equity capital to assets | 11.31% |
| Tangible equity to tangible assets | 10.07% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 1.88% |
| Allowance for credit losses to loans | 1.16% |
| Reserve coverage of non-performing loans | 1437.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.45% |
| Return on equity | 13.07% |
| Net interest margin | 4.24% |
| Efficiency ratio | 54.30% |
| Yield on earning assets | 5.84% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.08% |
| Core deposits to total deposits | 85.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.87% |
| Securities to assets | 14.07% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.44% | 1.21% | 3.78% | 0.00% | 0.00% |
| Q4 2023 | 13.63% | 0.93% | 3.86% | 0.00% | -0.02% |
| Q1 2024 | 13.60% | 0.84% | 3.68% | 0.00% | 0.00% |
| Q2 2024 | 13.55% | 0.91% | 3.63% | 0.00% | 0.00% |
| Q3 2024 | 13.59% | 1.01% | 3.67% | 0.00% | 0.02% |
| Q4 2024 | 13.56% | 1.26% | 3.64% | 0.00% | -0.02% |
| Q1 2025 | 13.84% | 1.22% | 3.69% | 0.00% | 0.01% |
| Q2 2025 | 13.42% | 1.28% | 3.87% | 0.00% | 0.06% |
| Q3 2025 | 10.16% | 1.04% | 3.20% | 0.06% | 0.00% |
| Q4 2025 | 10.36% | 1.11% | 4.15% | 0.08% | 0.00% |
| Q1 2026 | 10.44% | 1.21% | 3.93% | 0.08% | 0.10% |
| Q2 2026 | 10.86% | 1.45% | 4.24% | 0.08% | 0.02% |
The Farmers State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14991) · FFIEC NIC profile (RSSD 370721)