Farmers State Bank
Waterloo, IA · Cert 12855 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · FSB Financial Services Inc.
State charter, non-member · FDIC · 1 affiliate bank · 8 branches (10 in holding)
Q2 2026
$1.6BAssets
$1.3BLoans
$1.3BDeposits
$172.6MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 97% of banks $1B-$10B in assets operating in a single state (rank 10 of 258).
- Widest gap: net interest margin trails 83% of banks $1B-$10B in assets operating in a single state (rank 214 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.16%
Rank 141 of 258
Net Interest Margin
2.95%
Rank 214 of 258
Efficiency Ratio
51.21%
Rank 61 of 257
Equity / Assets
10.80%
Rank 101 of 258
Non-interest income vs. expense
Unfavorable gap of $22.2M · efficiency ratio beats 77% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.93% | 1.23% | 1.54% | Beats 45% | 141 / 258 | | |
| Return on Equity | 10.70% | 9.26% | 11.84% | 14.74% | Beats 41% | 151 / 258 | | |
| Net Interest Margin | 2.95% | 3.16% | 3.49% | 3.88% | Beats 17% | 214 / 258 | | |
| Efficiency Ratio | 51.21% | 51.71% | 60.30% | 69.65% | Beats 77% | 61 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.19% | 0.46% | 0.90% | Beats 97% | 10 / 258 | | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.02% | 0.07% | Beats 76% | 63 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 13.41% | 11.41% | 12.98% | 15.12% | Beats 55% | 117 / 258 | | |
| Total Risk-Based Capital Ratio | 14.51% | 12.10% | 13.91% | 16.08% | Beats 57% | 112 / 258 | | |
| Equity / Assets | 10.80% | 9.09% | 10.24% | 11.72% | Beats 61% | 101 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.89% | 73.24% | 86.34% | 95.95% | 90th pctl | 27 / 258 | | |
| Loans / Assets | 81.59% | 63.01% | 72.27% | 78.40% | 85th pctl | 38 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |