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

Deposit mix

NIM

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%.

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.

Metric	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026	YoY Δ
Earnings
Return on Assets	1.56%	1.68%	1.71%	1.59%	1.70%	+15 bps
Return on Equity	12.07%	12.94%	13.04%	11.77%	12.62%	+55 bps
Net Interest Margin	4.79%	4.87%	4.91%	4.94%	4.90%	+11 bps
Efficiency Ratio	54.58%	53.50%	54.01%	58.63%	56.43%	+185 bps
Non-Interest Burden	2.43%	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 / Loans	0.46%	2.39%	0.60%	2.87%	0.61%	+15 bps
Net Charge-Offs / Loans	0.61%	0.45%	0.37%	0.00%	0.01%	-61 bps
Allowance / Loans	1.24%	1.27%	1.42%	1.51%	1.54%	+30 bps
Allowance Coverage of NPLs	2.7x	0.5x	2.4x	0.5x	2.5x	-0.2x
Capital
Tier 1 Leverage Ratio	12.89%	13.15%	13.24%	13.53%	13.52%	+62 bps
Total Risk-Based Capital	18.21%	13.15%	13.24%	13.53%	13.52%	-469 bps
Equity / Assets	12.68%	13.26%	13.56%	13.46%	13.47%	+79 bps
Liquidity & Funding
Loans / Deposits	84.78%	88.55%	88.64%	84.98%	83.87%	-91 bps
Liquid Assets / Assets	8.39%	8.92%	9.92%	9.25%	10.58%	+218 bps
CRE / Total Capital	n/a	74.47%	62.27%	60.17%	n/a	n/a