Farmers State Bank & Trust Company: 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.
Reserve coverage of non-performing loans climbed 5.71 percentage points in Q3 2026, from 53.50% to 59.21%. It was the largest change from Q2 2026 among the key lines here. Within Louisiana, Farmers State Bank & Trust Company is 16th of 103 on return on assets, 1.82% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers State Bank & Trust Company sits 0.56 points higher, at 1.82% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.30% |
| Equity capital to assets | 7.33% |
| Tangible equity to tangible assets | 7.33% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 3.08% |
| Non-performing assets ratio | 1.61% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 20.20% |
| Allowance for credit losses to loans | 1.82% |
| Reserve coverage of non-performing loans | 59.21% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 23.92% |
| Net interest margin | 4.32% |
| Efficiency ratio | 59.99% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.27% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 53.10% |
| Core deposits to total deposits | 88.68% |
| Brokered deposits to total deposits | 0.67% |
| Deposits to assets | 91.86% |
| Securities to assets | 33.38% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 9.81% | 2.18% | 4.21% | 0.03% | 0.04% |
| Q1 2024 | 9.06% | 2.03% | 4.22% | 0.61% | 0.00% |
| Q2 2024 | 9.30% | 2.10% | 4.29% | 0.75% | 0.00% |
| Q3 2024 | 9.53% | 2.07% | 4.34% | 0.87% | 0.03% |
| Q4 2024 | 9.83% | 1.82% | 4.18% | 0.19% | 0.00% |
| Q1 2025 | 9.13% | 2.08% | 4.21% | 0.13% | 0.04% |
| Q2 2025 | 9.42% | 2.05% | 4.41% | 1.21% | 0.13% |
| Q3 2025 | 9.76% | 2.06% | 4.44% | 1.12% | 0.00% |
| Q4 2025 | 9.96% | 1.89% | 4.40% | 1.47% | -0.01% |
| Q1 2026 | 9.10% | 1.83% | 4.19% | 3.58% | 0.12% |
| Q2 2026 | 9.10% | 2.00% | 4.37% | 3.39% | 0.15% |
| Q3 2026 | 9.30% | 1.82% | 4.32% | 3.08% | 0.05% |
Farmers State Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers State Bank & Trust Company, 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 & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16114) · FFIEC NIC profile (RSSD 567736)