Farmers State Bank

Hosmer, SD · Cert 12293 · Peer group: banks under $1B in assets operating in a single state (n=843-849)

FDIC · 1 branch

Q3 2025

$20.9MAssets

$14.0MLoans

$16.8MDeposits

$3.6MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 129 of 843).
Widest gap: total risk-based capital ratio trails 34% of banks under $1B in assets operating in a single state (rank 286 of 849).
Overall: at or above the peer median on 10 of 10 directional measures.

Return on Assets

2.11%

Rank 39 of 849

Net Interest Margin

4.61%

Rank 72 of 849

Efficiency Ratio

57.47%

Rank 197 of 849

Equity / Assets

17.32%

Rank 74 of 849

Unfavorable gap of $541K · efficiency ratio beats 77% 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
Earnings
Return on Assets	2.11%	0.60%	0.92%	1.34%	Beats 95%	39 / 849
Return on Equity	12.19%	5.33%	9.20%	12.48%	Beats 73%	233 / 848
Net Interest Margin	4.61%	2.93%	3.45%	4.03%	Beats 92%	72 / 849
Efficiency Ratio	57.47%	58.46%	68.22%	77.90%	Beats 77%	197 / 849
Asset Quality
Nonperforming Loans / Loans	0.00%	0.06%	0.40%	1.03%	Beats 100%	129 / 843
Net Charge-Offs / Loans	0.00%	0.00%	0.02%	0.07%	Beats 100%	175 / 843
Capital
Tier 1 Capital Ratio	16.92%	11.59%	13.93%	17.99%	Beats 70%	258 / 849
Total Risk-Based Capital Ratio	16.92%	11.90%	14.68%	18.78%	Beats 66%	286 / 849
Equity / Assets	17.32%	8.73%	10.40%	13.12%	Beats 91%	74 / 849
Liquidity & Funding
Loans / Deposits	83.73%	62.07%	77.56%	89.95%	62nd pctl	325 / 849
Loans / Assets	66.99%	53.39%	65.75%	75.62%	53rd pctl	397 / 843
Brokered Deposits / Deposits	0.00%	n/a	n/a	2.94%	Beats 100%	521 / 849	n/a