Dodge, NE · Cert 16116 · Farmers State Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 0.1% share · #27 of 33 inst. · $0.0B of $16.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 1.06% | 1.18% | 0.92% | 0.96% | -1 bps | |
| Return on Equity | 10.65% | 11.49% | 12.48% | 9.57% | 9.21% | -144 bps | |
| Net Interest Margin | 3.80% | 3.81% | 3.85% | 3.80% | 3.78% | -2 bps | |
| Efficiency Ratio | 62.51% | 62.27% | 60.39% | 68.64% | 63.16% | +65 bps | |
| Non-Interest Burden | 2.30% | 2.26% | 2.20% | 2.51% | 2.27% | -3 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.57% | 6.28% | 7.93% | 13.25% | 17.77% | +1,320 bps | |
| Loan Growth (YoY) | -1.73% | 1.19% | 2.82% | 12.34% | 16.96% | +1,870 bps | |
| Deposit Growth (YoY) | 3.36% | 5.94% | 5.86% | 10.35% | 17.81% | +1,444 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.93% | 0.83% | 0.64% | 0.86% | 0.43% | -50 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.59% | 0.33% | 0.56% | +54 bps | |
| Allowance / Loans | 1.29% | 1.30% | 1.16% | 1.01% | 0.96% | -33 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.6x | 1.8x | 1.2x | 2.3x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.22% | 9.14% | 9.39% | 10.02% | 11.39% | +217 bps | |
| Total Risk-Based Capital | 9.22% | 9.14% | 9.39% | 10.02% | 11.39% | +217 bps | |
| Equity / Assets | 9.04% | 9.39% | 9.51% | 9.80% | 11.02% | +198 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 84.25% | 87.13% | 88.01% | 90.43% | 83.65% | -60 bps | |
| Liquid Assets / Assets | 9.97% | 5.15% | 3.90% | 3.61% | 3.78% | -619 bps | |
| CRE / Total Capital | n/a | 273% | 278% | 257% | n/a | n/a | |