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
Unfavorable gap of $8.8M · efficiency ratio beats 30% of banks under $1B in assets in MO | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.04% | 0.96% | 1.32% | 1.75% | Beats 28% | 60 / 83 | |
| Return on Equity | 12.57% | 9.66% | 12.96% | 15.76% | Beats 45% | 46 / 83 | |
| Net Interest Margin | 3.64% | 3.35% | 3.85% | 4.16% | Beats 35% | 54 / 83 | |
| Efficiency Ratio | 64.89% | 49.83% | 58.83% | 68.51% | Beats 30% | 59 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.51% | 0.08% | 0.51% | 1.01% | Beats 50% | 42 / 82 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 59% | 36 / 82 | |
| Capital |
| Tier 1 Capital Ratio | 14.09% | 11.01% | 12.49% | 14.98% | Beats 65% | 29 / 83 | |
| Total Risk-Based Capital Ratio | 14.90% | 11.13% | 13.01% | 15.10% | Beats 72% | 23 / 83 | |
| Equity / Assets | 8.27% | 8.83% | 10.71% | 13.29% | Beats 13% | 72 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 88.31% | 69.28% | 83.22% | 91.21% | 68th pctl | 26 / 82 | |
| Loans / Assets | 78.74% | 59.34% | 71.15% | 78.36% | 77th pctl | 19 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |