Farmers State Bank
Parkston, SD · Cert 1686 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Parkston Investment Co.
State charter, non-member · FDIC · 3 branches
Q2 2026
$254.8MAssets
$140.7MLoans
$237.4MDeposits
$16.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 96% of banks under $1B in assets operating in a single state (rank 717 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.89%
Rank 466 of 746
Net Interest Margin
3.00%
Rank 616 of 746
Efficiency Ratio
66.26%
Rank 414 of 746
Equity / Assets
6.55%
Rank 717 of 746
Non-interest income vs. expense
Unfavorable gap of $5.1M · efficiency ratio beats 45% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.72% | 1.06% | 1.45% | Beats 38% | 466 / 746 | |
| Return on Equity | 13.61% | 6.74% | 10.51% | 13.63% | Beats 75% | 188 / 746 | |
| Net Interest Margin | 3.00% | 3.17% | 3.68% | 4.16% | Beats 17% | 616 / 746 | |
| Efficiency Ratio | 66.26% | 55.74% | 64.58% | 75.47% | Beats 45% | 414 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.05% | Beats 57% | 324 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.99% | 11.55% | 13.75% | 17.60% | Beats 8% | 685 / 746 | |
| Total Risk-Based Capital Ratio | 9.99% | 11.71% | 14.33% | 18.43% | Beats 8% | 688 / 746 | |
| Equity / Assets | 6.55% | 8.90% | 10.51% | 13.06% | Beats 4% | 717 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 59.25% | 61.31% | 78.27% | 90.78% | 21st pctl | 589 / 746 | |
| Loans / Assets | 55.21% | 53.60% | 66.97% | 76.08% | 28th pctl | 540 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |