Blytheville, AR · Cert 1027 · Farmers Bcorp Inc.
State charter, Fed member · FED · 16 branches
Q2 2026
Market Position · Cape Girardeau, MO-IL · 2026 SOD (annual) · 5.1% share · #10 of 17 inst. · $0.2B of $3.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.93% | 2.11% | 1.58% | 1.48% | 1.48% | 1.55% | 2.06% | 1.86% | +38 bps | |
| Return on Equity | 21.86% | 24.14% | 20.01% | 18.98% | 19.24% | 20.02% | 25.06% | 23.02% | +404 bps | |
| Net Interest Margin | 3.83% | 3.69% | 3.38% | 3.46% | 3.68% | 3.68% | 3.93% | 3.89% | +42 bps | |
| Efficiency Ratio | 42.85% | 40.98% | 46.98% | 47.11% | 45.89% | 46.28% | 48.67% | 48.62% | +151 bps | |
| Non-Interest Burden | 1.38% | 1.07% | 1.36% | 1.42% | 1.48% | 1.50% | 1.73% | 1.69% | +27 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 13.44% | 9.97% | 39.55% | 37.39% | 34.67% | 36.45% | 129.29% | 141.89% | +10,451 bps | |
| Loan Growth (YoY) | 13.20% | 14.23% | 40.63% | 40.40% | 36.44% | 35.05% | 149.01% | 140.76% | +10,036 bps | |
| Deposit Growth (YoY) | 14.03% | 10.86% | 41.21% | 37.07% | 31.22% | 36.60% | 124.25% | 136.21% | +9,913 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.48% | 0.53% | 1.13% | 2.25% | 1.80% | 1.55% | 0.76% | 0.52% | -173 bps | |
| Net Charge-Offs / Loans | 0.04% | 0.10% | 0.28% | 0.49% | 0.59% | 0.84% | 0.04% | 0.08% | -42 bps | |
| Allowance / Loans | 1.69% | 1.79% | 1.68% | 1.50% | 1.44% | 1.24% | 1.52% | 1.52% | +2 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.4x | 1.5x | 0.7x | 0.8x | 0.8x | 2.0x | 2.9x | +2.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.29% | 8.49% | 8.63% | 8.76% | 8.46% | 8.64% | 8.96% | 8.62% | -14 bps | |
| Total Risk-Based Capital | 12.14% | 11.92% | 12.36% | 11.93% | 11.29% | 12.33% | 12.24% | 11.67% | -26 bps | |
| Equity / Assets | 8.77% | 8.48% | 7.45% | 7.69% | 7.30% | 7.89% | 8.36% | 7.90% | +21 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.38% | 88.06% | 83.54% | 91.51% | 95.02% | 87.05% | 92.76% | 93.27% | +176 bps | |
| Liquid Assets / Assets | 5.31% | 7.73% | 7.84% | 6.28% | 5.52% | 5.32% | 5.77% | 7.32% | +103 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 277% | 268% | 272% | n/a | n/a | |