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Farmers State Bank, Allen, Oklahoma

Allen, OK · Cert 12758

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

63

Q2 2024Q2 2026peer median (50)

Asset Quality

63

Q2 2024Q2 2026peer median (50)

Profitability

73

Q2 2024Q2 2026peer median (50)

Liquidity

40

Q2 2024Q2 2026peer median

Efficiency

66

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers State Bank, Allen, Oklahoma

Allen, OK · Cert 12758

State charter, non-member · FDIC · 1 branch

Q2 2026

$57.2MAssets
$40.8MLoans
$48.6MDeposits
$7.7MEquity
Loan mix
59%RE $20.2M21%C&I $7.1M21%Consumer $7.2MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $33.7M31%Noninterest $14.9MQ2 2025Q2 2026

NIM

5.62%Q2 ’245.77%Q2 ’255.75%Q2 ’26+2%+2%

Non-interest income vs. expense

2.99%Q2 ’242.84%Q2 ’252.97%Q2 ’26-7%+7%

Executive Summary

  • Earnings: ROA of 1.70%, up 15 bps year over year; NIM at 4.90%.
  • Asset quality: problem loans at 0.61% of loans (+15 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.52%, up 62 bps from a year ago.
  • Funding: loans stand at 83.87% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.70%+15 bps YoY

Net Interest Margin (YTD, annualized)

4.90%+11 bps YoY

Efficiency Ratio (YTD, annualized)

56.43%+185 bps YoY

Tier 1 Leverage Ratio

13.52%+62 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.56%1.68%1.71%1.59%1.70%+15 bps
Return on Equity12.07%12.94%13.04%11.77%12.62%+55 bps
Net Interest Margin4.79%4.87%4.91%4.94%4.90%+11 bps
Efficiency Ratio54.58%53.50%54.01%58.63%56.43%+185 bps
Non-Interest Burden2.43%2.41%2.38%2.73%2.60%+18 bps
Growth
Asset Growth (YoY)0.29%3.81%3.62%1.91%0.74%+46 bps
Loan Growth (YoY)-1.17%0.17%0.70%-3.60%-1.28%-11 bps
Deposit Growth (YoY)-0.48%3.41%3.24%1.25%-0.20%+28 bps
Asset Quality
Nonperforming Loans / Loans0.46%2.39%0.60%2.87%0.61%+15 bps
Net Charge-Offs / Loans0.61%0.45%0.37%0.00%0.01%-61 bps
Allowance / Loans1.24%1.27%1.42%1.51%1.54%+30 bps
Allowance Coverage of NPLs2.7x0.5x2.4x0.5x2.5x-0.2x
Capital
Tier 1 Leverage Ratio12.89%13.15%13.24%13.53%13.52%+62 bps
Total Risk-Based Capital18.21%13.15%13.24%13.53%13.52%-469 bps
Equity / Assets12.68%13.26%13.56%13.46%13.47%+79 bps
Liquidity & Funding
Loans / Deposits84.78%88.55%88.64%84.98%83.87%-91 bps
Liquid Assets / Assets8.39%8.92%9.92%9.25%10.58%+218 bps
CRE / Total Capitaln/a74.47%62.27%60.17%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers State Bank, Allen, Oklahoma

Allen, OK · Cert 12758 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 1 branch

Q2 2026

$57.2MAssets
$40.8MLoans
$48.6MDeposits
$7.7MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 87% of banks under $1B in assets in OK (rank 12 of 89).
  • Widest gap: total risk-based capital ratio trails 46% of banks under $1B in assets in OK (rank 41 of 89).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.66%

Rank 19 of 89

Net Interest Margin

4.90%

Rank 12 of 89

Efficiency Ratio

56.43%

Rank 31 of 89

Equity / Assets

13.47%

Rank 24 of 89

Non-interest income vs. expense

$0.2M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.5M · efficiency ratio beats 66% of banks under $1B in assets in OK
Bank 56.43%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.66%0.85%1.26%1.60%Beats 79%19 / 89
Return on Equity12.35%7.40%11.89%14.65%Beats 54%41 / 89
Net Interest Margin4.90%3.46%3.93%4.45%Beats 87%12 / 89
Efficiency Ratio56.43%54.70%60.95%71.14%Beats 66%31 / 89
Asset Quality
Nonperforming Loans / Loans0.61%0.30%0.82%2.25%Beats 60%36 / 88
Net Charge-Offs / Loans0.01%0.00%0.03%0.20%Beats 65%32 / 88
Capital
Tier 1 Capital Ratio13.52%10.89%13.00%16.33%Beats 61%35 / 89
Total Risk-Based Capital Ratio13.52%11.20%13.06%16.33%Beats 54%41 / 89
Equity / Assets13.47%9.26%10.94%13.52%Beats 73%24 / 89
Liquidity & Funding
Loans / Deposits83.87%61.51%72.27%84.01%74th pctl23 / 88
Loans / Assets71.27%52.51%63.15%71.27%74th pctl23 / 89
Brokered Deposits / Depositsn/aNot reported for this institution