Farmers State Bank
Marion, IA · Cert 14209 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Neighbor Insurance Agency Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$1.1BAssets
$871.6MLoans
$919.5MDeposits
$156.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets operating in a single state (rank 15 of 258).
- Widest gap: net interest margin trails 50% of banks $1B-$10B in assets operating in a single state (rank 128 of 258).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.76%
Rank 32 of 258
Net Interest Margin
3.49%
Rank 128 of 258
Efficiency Ratio
46.85%
Rank 37 of 257
Equity / Assets
14.00%
Rank 23 of 258
Non-interest income vs. expense
Unfavorable gap of $13.6M · efficiency ratio beats 86% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.76% | 0.93% | 1.23% | 1.54% | Beats 88% | 32 / 258 | | |
| Return on Equity | 12.54% | 9.26% | 11.84% | 14.74% | Beats 56% | 114 / 258 | | |
| Net Interest Margin | 3.49% | 3.16% | 3.49% | 3.88% | Beats 50% | 128 / 258 | | |
| Efficiency Ratio | 46.85% | 51.71% | 60.30% | 69.65% | Beats 86% | 37 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.19% | 0.46% | 0.90% | Beats 72% | 72 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 100% | 15 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 14.37% | 11.41% | 12.98% | 15.12% | Beats 69% | 79 / 258 | | |
| Total Risk-Based Capital Ratio | 14.37% | 12.10% | 13.91% | 16.08% | Beats 55% | 116 / 258 | | |
| Equity / Assets | 14.00% | 9.09% | 10.24% | 11.72% | Beats 91% | 23 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.79% | 73.24% | 86.34% | 95.95% | 73rd pctl | 69 / 258 | | |
| Loans / Assets | 77.92% | 63.01% | 72.27% | 78.40% | 71st pctl | 75 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |