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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 $9.5MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $276.6M19%Noninterest $67.0MQ3 2024Q2 2026

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 1.00%, up 7 bps year over year; NIM at 3.72%.
  • 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.

Return on Assets (quarter, annualized)

1.00%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.72%+41 bps YoY

Efficiency Ratio (quarter, annualized)

64.78%-342 bps YoY

Tier 1 Leverage Ratio

9.03%+47 bps YoY

NIM

4.45%Q2 ’244.66%Q2 ’254.91%Q2 ’26+3%+12%

Non-interest income vs. expense

2.47%Q2 ’242.52%Q2 ’252.64%Q2 ’26+3%+7%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.72%0.90%0.93%1.05%0.78%1.07%1.00%+7 bps
Return on Equity11.35%9.46%12.06%12.36%13.40%9.74%13.37%12.16%-20 bps
Net Interest Margin3.27%3.30%3.33%3.32%3.54%3.51%3.55%3.72%+41 bps
Efficiency Ratio70.34%75.35%70.13%68.20%65.85%74.32%65.01%64.78%-342 bps
Non-Interest Burden2.17%2.38%2.22%2.13%2.19%2.50%2.16%2.27%+14 bps
Growth
Asset Growth (YoY)1.36%-5.73%2.25%2.94%2.58%8.29%0.70%1.92%-101 bps
Loan Growth (YoY)1.01%1.06%1.91%1.24%1.60%1.39%0.25%2.97%+173 bps
Deposit Growth (YoY)6.28%0.95%1.72%2.56%0.83%7.10%0.80%2.15%-41 bps
Asset Quality
Nonperforming Loans / Loans0.32%0.32%0.29%0.47%0.50%0.53%0.50%0.51%+3 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%0.01%0.01%0.01%+1 bps
Allowance / Loans0.60%0.61%0.61%0.62%0.62%0.62%0.63%0.62%0 bps
Allowance Coverage of NPLs1.9x1.9x2.1x1.3x1.2x1.2x1.3x1.2x-0.1x
Capital
Tier 1 Leverage Ratio8.58%8.61%8.41%8.56%8.77%8.85%8.91%9.03%+47 bps
Total Risk-Based Capital13.77%13.66%13.96%14.18%14.42%14.39%14.83%14.90%+71 bps
Equity / Assets7.84%7.45%7.44%7.60%8.07%7.88%8.19%8.27%+67 bps
Liquidity & Funding
Loans / Deposits89.68%88.75%86.40%87.61%90.36%84.01%85.92%88.31%+70 bps
Liquid Assets / Assets3.37%2.48%5.32%3.16%2.99%4.14%5.94%4.32%+117 bps
CRE / Total Capitaln/an/an/an/a162.37%169.63%173.10%n/an/a