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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 1.22%, down 10 bps year over year; NIM at 4.17%.
  • Asset quality: problem loans at 0.04% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • 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 (YTD, annualized)

1.22%-10 bps YoY

Net Interest Margin (YTD, annualized)

4.17%-34 bps YoY

Efficiency Ratio (YTD, annualized)

68.33%+94 bps YoY

Tier 1 Leverage Ratio

9.39%-23 bps YoY

NIM

4.57%Q2 ’245.03%Q2 ’254.74%Q2 ’26+19%-7%

Non-interest income vs. expense

3.00%Q2 ’243.52%Q2 ’253.33%Q2 ’26+21%-6%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.09%1.13%1.29%1.32%1.33%1.35%1.20%1.22%-10 bps
Return on Equity14.63%14.80%15.11%15.27%15.25%15.11%12.99%13.43%-184 bps
Net Interest Margin3.88%3.96%4.35%4.50%4.38%4.38%4.18%4.17%-34 bps
Efficiency Ratio69.97%69.66%67.79%67.38%67.23%67.13%64.74%68.33%+94 bps
Non-Interest Burden2.49%2.53%2.71%2.79%2.69%2.69%2.44%2.62%-17 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 / Loans0.06%0.05%0.03%0.02%0.01%0.01%0.01%0.01%-1 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