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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 $7.2MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $33.7M31%Noninterest $14.9MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.73%1.82%1.56%1.68%1.71%1.59%1.70%+15 bps
Return on Equity13.64%13.74%13.97%12.07%12.94%13.04%11.77%12.62%+55 bps
Net Interest Margin4.76%4.93%4.81%4.79%4.87%4.91%4.94%4.90%+11 bps
Efficiency Ratio58.86%57.73%55.30%54.58%53.50%54.01%58.63%56.43%+185 bps
Non-Interest Burden2.65%2.68%2.48%2.43%2.41%2.38%2.73%2.60%+18 bps
Growth
Asset Growth (YoY)4.69%2.61%1.21%0.29%3.81%3.62%1.91%0.74%+46 bps
Loan Growth (YoY)10.00%2.02%4.11%-1.17%0.17%0.70%-3.60%-1.28%-11 bps
Deposit Growth (YoY)4.29%2.03%0.47%-0.48%3.41%3.24%1.25%-0.20%+28 bps
Asset Quality
Nonperforming Loans / Loans1.00%0.84%0.91%0.46%2.39%0.60%2.87%0.61%+15 bps
Net Charge-Offs / Loans0.03%0.04%0.00%0.61%0.45%0.37%0.00%0.01%-61 bps
Allowance / Loans1.29%1.29%1.26%1.24%1.27%1.42%1.51%1.54%+30 bps
Allowance Coverage of NPLs1.3x1.5x1.4x2.7x0.5x2.4x0.5x2.5x-0.2x
Capital
Tier 1 Leverage Ratio12.46%12.89%13.05%12.89%13.15%13.24%13.53%13.52%+62 bps
Total Risk-Based Capital12.46%18.05%13.05%18.21%13.15%13.24%13.53%13.52%-469 bps
Equity / Assets12.86%13.16%12.88%12.68%13.26%13.56%13.46%13.47%+79 bps
Liquidity & Funding
Loans / Deposits91.42%90.88%89.26%84.78%88.55%88.64%84.98%83.87%-91 bps
Liquid Assets / Assets10.24%9.62%8.29%8.39%8.92%9.92%9.25%10.58%+218 bps
CRE / Total Capitaln/an/an/an/a74.47%62.27%60.17%n/an/a