Center, TX · Cert 13407 · Farmers Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 1.46% | 1.48% | 1.70% | 1.61% | +17 bps | |
| Return on Equity | 10.36% | 10.33% | 10.61% | 12.48% | 11.76% | +140 bps | |
| Net Interest Margin | 4.55% | 4.54% | 4.49% | 4.53% | 4.44% | -12 bps | |
| Efficiency Ratio | 64.03% | 63.76% | 62.86% | 56.34% | 57.52% | -652 bps | |
| Non-Interest Burden | 2.73% | 2.71% | 2.64% | 2.27% | 2.30% | -43 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.92% | 4.93% | 10.92% | 5.65% | 7.41% | +449 bps | |
| Loan Growth (YoY) | -4.92% | 1.74% | 9.71% | 14.45% | 8.82% | +1,374 bps | |
| Deposit Growth (YoY) | 1.94% | 4.87% | 11.11% | 5.77% | 8.56% | +662 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.51% | 0.32% | 0.68% | 0.49% | 0.59% | +8 bps | |
| Net Charge-Offs / Loans | -0.01% | 0.01% | 0.01% | 0.00% | -0.09% | -8 bps | |
| Allowance / Loans | 1.46% | 1.40% | 1.27% | 1.29% | 1.42% | -4 bps | |
| Allowance Coverage of NPLs | 2.9x | 4.3x | 1.9x | 2.6x | 2.4x | -0.5x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 14.93% | 15.09% | 14.66% | 14.66% | 14.41% | -52 bps | |
| Total Risk-Based Capital | 24.34% | 25.00% | 20.72% | 21.50% | 21.38% | -297 bps | |
| Equity / Assets | 14.36% | 14.66% | 13.39% | 13.88% | 13.77% | -59 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 68.81% | 70.54% | 69.91% | 71.80% | 68.97% | +17 bps | |
| Liquid Assets / Assets | 9.96% | 7.39% | 8.97% | 10.99% | 11.30% | +134 bps | |
| CRE / Total Capital | n/a | 135.18% | 142.58% | 145.54% | n/a | n/a | |