Farmers State Bank of Canton
Canton, SD · Cert 11133 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Lincoln Holding Co.
State charter, non-member · FDIC · 1 branch
Q2 2026
$81.6MAssets
$43.6MLoans
$68.4MDeposits
$6.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 90% of banks under $1B in assets operating in a single state (rank 675 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.62%
Rank 597 of 746
Net Interest Margin
2.73%
Rank 675 of 746
Efficiency Ratio
77.59%
Rank 587 of 746
Equity / Assets
8.32%
Rank 623 of 746
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 21% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.62% | 0.72% | 1.06% | 1.45% | Beats 20% | 597 / 746 | | |
| Return on Equity | 7.48% | 6.74% | 10.51% | 13.63% | Beats 30% | 523 / 746 | | |
| Net Interest Margin | 2.73% | 3.17% | 3.68% | 4.16% | Beats 10% | 675 / 746 | | |
| Efficiency Ratio | 77.59% | 55.74% | 64.58% | 75.47% | Beats 21% | 587 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.42% | 11.55% | 13.75% | 17.60% | Beats 65% | 263 / 746 | | |
| Total Risk-Based Capital Ratio | 15.96% | 11.71% | 14.33% | 18.43% | Beats 63% | 277 / 746 | | |
| Equity / Assets | 8.32% | 8.90% | 10.51% | 13.06% | Beats 16% | 623 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.81% | 61.31% | 78.27% | 90.78% | 27th pctl | 541 / 746 | | |
| Loans / Assets | 53.47% | 53.60% | 66.97% | 76.08% | 25th pctl | 561 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |