Farmers State Bank
Groesbeck, TX · Cert 15367 · Peer group: banks under $1B in assets in TX (n=208-211) · Groesbeck Bancshares Inc.
State charter, non-member · FDIC · 6 branches
Q2 2026
$196.0MAssets
$93.0MLoans
$176.8MDeposits
$17.3MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 70% of banks under $1B in assets in TX (rank 64 of 208).
- Widest gap: total risk-based capital ratio trails 97% of banks under $1B in assets in TX (rank 204 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.19%
Rank 108 of 211
Net Interest Margin
4.17%
Rank 70 of 211
Efficiency Ratio
68.33%
Rank 136 of 211
Equity / Assets
8.80%
Rank 177 of 211
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 36% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.87% | 1.20% | 1.65% | Beats 49% | 108 / 211 | |
| Return on Equity | 13.49% | 7.52% | 11.67% | 14.58% | Beats 66% | 71 / 211 | |
| Net Interest Margin | 4.17% | 3.28% | 3.82% | 4.31% | Beats 67% | 70 / 211 | |
| Efficiency Ratio | 68.33% | 53.01% | 64.18% | 73.65% | Beats 36% | 136 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.01% | 0.30% | 1.10% | Beats 70% | 64 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 64% | 77 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 9.39% | 11.72% | 14.45% | 19.57% | Beats 3% | 204 / 211 | |
| Total Risk-Based Capital Ratio | 9.39% | 11.94% | 14.78% | 20.30% | Beats 3% | 204 / 211 | |
| Equity / Assets | 8.80% | 9.41% | 11.06% | 12.94% | Beats 16% | 177 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 52.59% | 45.39% | 66.56% | 82.03% | 29th pctl | 148 / 208 | |
| Loans / Assets | 47.43% | 39.13% | 56.90% | 70.46% | 32nd pctl | 144 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |