Farmers Savings Bank
Mineral Point, WI · Cert 13025 · Peer group: banks under $1B in assets in WI (n=110-113) · Southern WI Bancshares Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
$461.2MAssets
$231.2MLoans
$404.0MDeposits
$49.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 85% of banks under $1B in assets in WI (rank 17 of 113).
- Widest gap: net interest margin trails 89% of banks under $1B in assets in WI (rank 101 of 113).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.35%
Rank 41 of 113
Net Interest Margin
2.88%
Rank 101 of 113
Efficiency Ratio
52.85%
Rank 28 of 113
Equity / Assets
10.81%
Rank 55 of 113
Non-interest income vs. expense
Unfavorable gap of $6.0M · efficiency ratio beats 76% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.85% | 1.17% | 1.51% | Beats 64% | 41 / 113 | | |
| Return on Equity | 12.47% | 7.70% | 10.77% | 13.67% | Beats 65% | 40 / 113 | | |
| Net Interest Margin | 2.88% | 3.19% | 3.59% | 3.89% | Beats 11% | 101 / 113 | | |
| Efficiency Ratio | 52.85% | 54.61% | 62.43% | 71.88% | Beats 76% | 28 / 113 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.03% | 0.24% | 0.91% | Beats 72% | 32 / 110 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 38% | 70 / 110 | | |
| Capital |
| Tier 1 Capital Ratio | 20.06% | 11.22% | 12.95% | 15.76% | Beats 85% | 17 / 113 | | |
| Total Risk-Based Capital Ratio | 21.07% | 11.57% | 13.59% | 16.73% | Beats 85% | 17 / 113 | | |
| Equity / Assets | 10.81% | 9.17% | 10.74% | 13.13% | Beats 51% | 55 / 113 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.22% | 76.54% | 86.37% | 98.93% | 6th pctl | 105 / 112 | | |
| Loans / Assets | 50.13% | 63.07% | 71.33% | 78.84% | 7th pctl | 105 / 113 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |