Farmers State Bank
Center, TX · Cert 13407 · Peer group: banks under $1B in assets in TX (n=208-211) · Farmers Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$391.5MAssets
$231.1MLoans
$335.0MDeposits
$53.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 82% of banks under $1B in assets in TX (rank 38 of 211).
- Widest gap: nonperforming loans / loans trails 64% of banks under $1B in assets in TX (rank 134 of 208).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.62%
Rank 55 of 211
Net Interest Margin
4.44%
Rank 43 of 211
Efficiency Ratio
57.52%
Rank 72 of 211
Equity / Assets
13.77%
Rank 38 of 211
Non-interest income vs. expense
Unfavorable gap of $8.9M · efficiency ratio beats 66% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.87% | 1.20% | 1.65% | Beats 74% | 55 / 211 | |
| Return on Equity | 11.79% | 7.52% | 11.67% | 14.58% | Beats 51% | 104 / 211 | |
| Net Interest Margin | 4.44% | 3.28% | 3.82% | 4.31% | Beats 80% | 43 / 211 | |
| Efficiency Ratio | 57.52% | 53.01% | 64.18% | 73.65% | Beats 66% | 72 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.59% | 0.01% | 0.30% | 1.10% | Beats 36% | 134 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 78% | 46 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 20.19% | 11.72% | 14.45% | 19.57% | Beats 78% | 47 / 211 | |
| Total Risk-Based Capital Ratio | 21.38% | 11.94% | 14.78% | 20.30% | Beats 78% | 47 / 211 | |
| Equity / Assets | 13.77% | 9.41% | 11.06% | 12.94% | Beats 82% | 38 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 68.97% | 45.39% | 66.56% | 82.03% | 55th pctl | 93 / 208 | |
| Loans / Assets | 59.03% | 39.13% | 56.90% | 70.46% | 54th pctl | 97 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |