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
Unfavorable gap of $1.5M · efficiency ratio beats 66% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.85% | 1.26% | 1.60% | Beats 79% | 19 / 89 | |
| Return on Equity | 12.35% | 7.40% | 11.89% | 14.65% | Beats 54% | 41 / 89 | |
| Net Interest Margin | 4.90% | 3.46% | 3.93% | 4.45% | Beats 87% | 12 / 89 | |
| Efficiency Ratio | 56.43% | 54.70% | 60.95% | 71.14% | Beats 66% | 31 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.30% | 0.82% | 2.25% | Beats 60% | 36 / 88 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.03% | 0.20% | Beats 65% | 32 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 13.52% | 10.89% | 13.00% | 16.33% | Beats 61% | 35 / 89 | |
| Total Risk-Based Capital Ratio | 13.52% | 11.20% | 13.06% | 16.33% | Beats 54% | 41 / 89 | |
| Equity / Assets | 13.47% | 9.26% | 10.94% | 13.52% | Beats 73% | 24 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 83.87% | 61.51% | 72.27% | 84.01% | 74th pctl | 23 / 88 | |
| Loans / Assets | 71.27% | 52.51% | 63.15% | 71.27% | 74th pctl | 23 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |