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Farmers State Bank

Cameron, MO · Cert 13897 · FSC Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in MO3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in MO (n=82 to 83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

55

Q2 2024Q2 2026peer median (50)

Profitability

36

Q2 2024Q2 2026peer median (50)

Liquidity

66

Q2 2024Q2 2026peer median

Efficiency

30

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers State Bank

Cameron, MO · Cert 13897 · FSC Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$385.4MAssets
$303.5MLoans
$343.6MDeposits
$31.9MEquity
Loan mix
94%RE $270.4M2%C&I $6.6M3%Consumer $9.5MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $276.6M19%Noninterest $67.0MQ2 2025Q2 2026

NIM

4.49%Q2 ’244.66%Q2 ’254.85%Q2 ’26+4%+9%

Non-interest income vs. expense

2.50%Q2 ’242.56%Q2 ’252.60%Q2 ’26+2%+2%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.2% share · #53 of 114 inst. · $0.2B of $99.1B

32.5% Clinton
34.1% Atchison
9.2% Grundy
1.2% Buchanan

Executive Summary

  • Earnings: ROA of 1.03%, up 12 bps year over year; NIM at 3.64%.
  • Asset quality: problem loans at 0.51% of loans (+3 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 9.03%, up 47 bps from a year ago.
  • Funding: loans stand at 88.31% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.03%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.64%+31 bps YoY

Efficiency Ratio (YTD, annualized)

64.89%-427 bps YoY

Tier 1 Leverage Ratio

9.03%+47 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.96%0.91%1.07%1.03%+12 bps
Return on Equity12.25%12.61%11.88%13.37%12.76%+51 bps
Net Interest Margin3.33%3.41%3.44%3.55%3.64%+31 bps
Efficiency Ratio69.17%68.02%69.61%65.01%64.89%-427 bps
Non-Interest Burden2.18%2.18%2.27%2.16%2.22%+4 bps
Growth
Asset Growth (YoY)2.94%2.58%8.29%0.70%1.92%-101 bps
Loan Growth (YoY)1.24%1.60%1.39%0.25%2.97%+173 bps
Deposit Growth (YoY)2.56%0.83%7.10%0.80%2.15%-41 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.50%0.53%0.50%0.51%+3 bps
Net Charge-Offs / Loans0.01%0.00%0.01%0.01%0.01%0 bps
Allowance / Loans0.62%0.62%0.62%0.63%0.62%0 bps
Allowance Coverage of NPLs1.3x1.2x1.2x1.3x1.2x-0.1x
Capital
Tier 1 Leverage Ratio8.56%8.77%8.85%8.91%9.03%+47 bps
Total Risk-Based Capital14.18%14.42%14.39%14.83%14.90%+71 bps
Equity / Assets7.60%8.07%7.88%8.19%8.27%+67 bps
Liquidity & Funding
Loans / Deposits87.61%90.36%84.01%85.92%88.31%+70 bps
Liquid Assets / Assets3.16%2.99%4.14%5.94%4.32%+117 bps
CRE / Total Capitaln/a162.37%169.63%173.10%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers State Bank

Cameron, MO · Cert 13897 · Peer group: banks under $1B in assets in MO (n=82-83) · FSC Bancshares Inc.

State charter, non-member · FDIC · 9 branches

Q2 2026

$385.4MAssets
$303.5MLoans
$343.6MDeposits
$31.9MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets in MO (rank 23 of 83).
  • Widest gap: equity / assets trails 87% of banks under $1B in assets in MO (rank 72 of 83).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

1.04%

Rank 60 of 83

Net Interest Margin

3.64%

Rank 54 of 83

Efficiency Ratio

64.89%

Rank 59 of 83

Equity / Assets

8.27%

Rank 72 of 83

Non-interest income vs. expense

$1.5M$10.3MINCOMEEXPENSE
Unfavorable gap of $8.8M · efficiency ratio beats 30% of banks under $1B in assets in MO
Bank 64.89%Peer median 58.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.04%0.96%1.32%1.75%Beats 28%60 / 83
Return on Equity12.57%9.66%12.96%15.76%Beats 45%46 / 83
Net Interest Margin3.64%3.35%3.85%4.16%Beats 35%54 / 83
Efficiency Ratio64.89%49.83%58.83%68.51%Beats 30%59 / 83
Asset Quality
Nonperforming Loans / Loans0.51%0.08%0.51%1.01%Beats 50%42 / 82
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 59%36 / 82
Capital
Tier 1 Capital Ratio14.09%11.01%12.49%14.98%Beats 65%29 / 83
Total Risk-Based Capital Ratio14.90%11.13%13.01%15.10%Beats 72%23 / 83
Equity / Assets8.27%8.83%10.71%13.29%Beats 13%72 / 83
Liquidity & Funding
Loans / Deposits88.31%69.28%83.22%91.21%68th pctl26 / 82
Loans / Assets78.74%59.34%71.15%78.36%77th pctl19 / 83
Brokered Deposits / Depositsn/aNot reported for this institution