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 (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.77% | 0.76% | 0.82% | 0.90% | 0.95% | 1.01% | 0.92% | 0.94% | +4 bps | |
| Return on Equity | 8.49% | 8.38% | 8.93% | 9.79% | 10.35% | 10.94% | 9.57% | 9.27% | -52 bps | |
| Net Interest Margin | 3.55% | 3.58% | 3.65% | 3.67% | 3.65% | 3.70% | 3.80% | 3.64% | -3 bps | |
| Efficiency Ratio | 66.86% | 66.74% | 68.03% | 65.20% | 64.16% | 63.17% | 68.64% | 65.79% | +60 bps | |
| Non-Interest Burden | 2.30% | 2.33% | 2.41% | 2.32% | 2.26% | 2.24% | 2.51% | 2.29% | -2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.34% | 2.54% | 2.15% | 4.57% | 6.28% | 7.93% | 13.25% | 17.77% | +1,320 bps | |
| Loan Growth (YoY) | 0.86% | 0.85% | 1.21% | -1.73% | 1.19% | 2.82% | 12.34% | 16.96% | +1,870 bps | |
| Deposit Growth (YoY) | 2.25% | 2.27% | 1.80% | 3.36% | 5.94% | 5.86% | 10.35% | 17.81% | +1,444 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.20% | 1.04% | 0.93% | 0.83% | 0.64% | 0.86% | 0.43% | -50 bps | |
| Net Charge-Offs / Loans | 0.63% | 0.45% | 0.06% | 0.04% | 0.03% | 0.17% | 0.33% | 0.44% | +40 bps | |
| Allowance / Loans | 1.02% | 1.13% | 1.18% | 1.29% | 1.30% | 1.16% | 1.01% | 0.96% | -33 bps | |
| Allowance Coverage of NPLs | 4.6x | 5.6x | 1.1x | 1.4x | 1.6x | 1.8x | 1.2x | 2.3x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.23% | 9.29% | 9.31% | 9.22% | 9.14% | 9.39% | 10.02% | 11.39% | +217 bps | |
| Total Risk-Based Capital | 9.23% | 9.29% | 9.31% | 9.22% | 9.14% | 9.39% | 10.02% | 11.39% | +217 bps | |
| Equity / Assets | 9.37% | 9.20% | 9.25% | 9.04% | 9.39% | 9.51% | 9.80% | 11.02% | +198 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 91.22% | 90.61% | 88.83% | 84.25% | 87.13% | 88.01% | 90.43% | 83.65% | -60 bps | |
| Liquid Assets / Assets | 3.91% | 3.94% | 4.39% | 9.97% | 5.15% | 3.90% | 3.61% | 3.78% | -619 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 273% | 278% | 257% | n/a | n/a | |