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Farmers State Bank

Groesbeck, TX · Cert 15367 · Groesbeck Bancshares Inc.

State charter, non-member · FDIC · 6 branches

Q2 2026

$196.0MAssets
$93.0MLoans
$176.8MDeposits
$17.3MEquity
Loan mix
84%RE $66.2M9%C&I $6.9M7%Consumer $5.8MQ3 2024Q2 2026
Deposit mix
51%Interest-bearing $90.7M49%Noninterest $86.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.23%, down 12 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.04% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.39%, down 23 bps from a year ago.
  • Funding: loans stand at 52.59% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

1.23%-12 bps YoY

Net Interest Margin (quarter, annualized)

4.24%-38 bps YoY

Efficiency Ratio (quarter, annualized)

71.85%+486 bps YoY

Tier 1 Leverage Ratio

9.39%-23 bps YoY

NIM

4.74%Q2 ’245.19%Q2 ’254.82%Q2 ’26+22%-8%

Non-interest income vs. expense

2.97%Q2 ’243.57%Q2 ’253.53%Q2 ’26+26%+0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%1.25%1.29%1.35%1.36%1.35%1.20%1.23%-12 bps
Return on Equity12.47%15.03%15.11%15.41%15.25%14.48%12.99%13.92%-149 bps
Net Interest Margin3.81%4.17%4.35%4.61%4.47%4.43%4.18%4.24%-38 bps
Efficiency Ratio76.07%68.78%67.79%66.99%66.94%66.83%64.74%71.85%+486 bps
Non-Interest Burden2.71%2.63%2.71%2.85%2.72%2.72%2.44%2.85%0 bps
Growth
Asset Growth (YoY)-5.56%-2.63%-5.22%-2.23%6.04%1.55%8.09%6.94%+917 bps
Loan Growth (YoY)8.28%5.90%-6.36%-0.63%0.90%-11.34%-17.71%-16.50%-1,587 bps
Deposit Growth (YoY)-7.85%-4.04%1.94%0.01%4.87%-0.25%7.67%6.93%+692 bps
Asset Quality
Nonperforming Loans / Loans0.07%0.14%0.04%0.04%0.04%0.04%0.04%0.04%0 bps
Net Charge-Offs / Loans0.03%0.00%0.03%0.01%0.00%0.02%0.01%0.00%0 bps
Allowance / Loans1.01%0.97%0.95%0.93%0.97%1.09%1.27%1.22%+29 bps
Allowance Coverage of NPLs15.4x7.2x24.6x24.5x25.8x26.6x30.7x31.5x+6.9x
Capital
Tier 1 Leverage Ratio8.77%9.02%9.36%9.62%9.42%9.50%9.45%9.39%-23 bps
Total Risk-Based Capital15.14%14.50%9.36%9.62%9.42%9.50%9.45%9.39%-23 bps
Equity / Assets8.26%8.35%8.67%8.86%9.03%9.64%8.83%8.80%-6 bps
Liquidity & Funding
Loans / Deposits64.98%66.20%66.46%67.35%62.51%58.85%50.79%52.59%-1,476 bps
Liquid Assets / Assets6.94%4.06%5.88%6.13%9.09%8.46%13.88%11.40%+527 bps
CRE / Total Capitaln/an/an/an/a243%212%172.91%n/an/a