Farmers Bank
Greenwood, AR · Cert 1296 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Wilkinson Banking Corp.
State charter, non-member · FDIC · 10 branches
Q2 2026
$288.7MAssets
$164.8MLoans
$247.9MDeposits
$39.7MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 79% of banks under $1B in assets operating in a single state (rank 156 of 746).
- Widest gap: efficiency ratio trails 64% of banks under $1B in assets operating in a single state (rank 480 of 746).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.15%
Rank 325 of 746
Net Interest Margin
3.73%
Rank 356 of 746
Efficiency Ratio
70.70%
Rank 480 of 746
Equity / Assets
13.74%
Rank 156 of 746
Non-interest income vs. expense
Unfavorable gap of $6.8M · efficiency ratio beats 36% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.72% | 1.06% | 1.45% | Beats 56% | 325 / 746 | |
| Return on Equity | 8.41% | 6.74% | 10.51% | 13.63% | Beats 37% | 473 / 746 | |
| Net Interest Margin | 3.73% | 3.17% | 3.68% | 4.16% | Beats 52% | 356 / 746 | |
| Efficiency Ratio | 70.70% | 55.74% | 64.58% | 75.47% | Beats 36% | 480 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.42% | 1.07% | Beats 66% | 250 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 54% | 343 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 16.23% | 11.55% | 13.75% | 17.60% | Beats 69% | 230 / 746 | |
| Total Risk-Based Capital Ratio | 16.23% | 11.71% | 14.33% | 18.43% | Beats 65% | 261 / 746 | |
| Equity / Assets | 13.74% | 8.90% | 10.51% | 13.06% | Beats 79% | 156 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 66.48% | 61.31% | 78.27% | 90.78% | 32nd pctl | 511 / 746 | |
| Loans / Assets | 57.07% | 53.60% | 66.97% | 76.08% | 31st pctl | 515 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |