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: 137.73 percentage points higher than in Q1 2026, at 853.23%. The Farmers State Bank ranks 34th of 182 Kansas banks on return on assets, in the upper half at 1.90% (Q2 2026). The Farmers State Bank's return on assets of 1.90% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.91 points (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 | 12.74% |
| Equity capital to assets | 11.08% |
| Tangible equity to tangible assets | 11.08% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.12% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 2.24% |
| Allowance for credit losses to loans | 1.04% |
| Reserve coverage of non-performing loans | 853.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.90% |
| Return on equity | 17.33% |
| Net interest margin | 4.06% |
| Efficiency ratio | 47.94% |
| Yield on earning assets | 5.68% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.09% |
| Core deposits to total deposits | 77.80% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.21% |
| Securities to assets | 21.59% |
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 | 12.75% | 0.78% | 3.09% | 0.00% | -0.03% |
| Q4 2023 | 12.81% | 0.70% | 2.99% | 0.00% | -0.03% |
| Q1 2024 | 13.33% | 0.56% | 2.94% | 5.14% | -0.02% |
| Q2 2024 | 12.56% | 1.08% | 3.24% | 4.93% | -0.02% |
| Q3 2024 | 13.37% | 1.97% | 3.39% | 4.94% | 0.02% |
| Q4 2024 | 13.42% | -0.18% | 3.45% | 5.29% | -0.29% |
| Q1 2025 | 13.64% | 0.94% | 3.48% | 2.96% | 0.01% |
| Q2 2025 | 12.96% | -0.09% | 3.55% | 0.69% | 4.30% |
| Q3 2025 | 13.22% | 1.38% | 3.90% | 0.85% | 0.02% |
| Q4 2025 | 13.42% | 1.56% | 4.06% | 0.37% | 0.63% |
| Q1 2026 | 12.48% | 1.31% | 3.77% | 0.14% | 0.00% |
| Q2 2026 | 12.74% | 1.90% | 4.06% | 0.12% | -0.01% |
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 15258) · FFIEC NIC profile (RSSD 863652)