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Farmers State Bank

Dwight, KS · Cert 17632

State charter, non-member · FDIC · 1 branch

Q2 2026

$19.5MAssets
$6.4MLoans
$17.4MDeposits
$2.1MEquity
Loan mix
61%RE $3.0M30%C&I $1.5M10%Consumer $0.5MQ3 2024Q2 2026
Deposit mix
74%Interest-bearing $12.8M26%Noninterest $4.6MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.83%, down 27 bps year over year; NIM at 3.17%.
  • Asset quality: problem loans at 6.76% of loans (+429 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.47%, down 9 bps from a year ago.
  • Funding: loans stand at 36.97% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.83%-27 bps YoY

Net Interest Margin (YTD, annualized)

3.17%-7 bps YoY

Efficiency Ratio (YTD, annualized)

73.98%+506 bps YoY

Tier 1 Leverage Ratio

10.47%-9 bps YoY

NIM

4.40%Q2 ’244.44%Q2 ’254.51%Q2 ’260%-2%

Non-interest income vs. expense

2.57%Q2 ’242.27%Q2 ’252.38%Q2 ’26-11%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.80%0.12%0.85%1.10%1.10%0.05%0.74%0.83%-27 bps
Return on Equity6.77%1.00%7.40%9.97%10.12%0.44%7.37%8.18%-179 bps
Net Interest Margin3.37%3.46%3.53%3.24%3.13%3.19%3.10%3.17%-7 bps
Efficiency Ratio76.27%96.43%75.97%68.92%68.67%91.21%76.88%73.98%+506 bps
Non-Interest Burden2.55%3.33%2.67%2.21%2.13%2.90%2.37%2.33%+12 bps
Growth
Asset Growth (YoY)-6.62%-4.27%4.92%21.99%26.10%24.66%8.30%-3.24%-2,522 bps
Loan Growth (YoY)-3.82%-0.49%-7.10%-11.47%-5.41%2.92%11.98%1.69%+1,316 bps
Deposit Growth (YoY)-8.49%-4.94%5.47%24.87%29.54%28.06%9.25%-3.58%-2,845 bps
Asset Quality
Nonperforming Loans / Loans5.78%3.73%4.32%2.47%5.72%2.06%3.65%6.76%+429 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.78%1.70%1.93%1.98%1.88%2.31%2.42%2.73%+75 bps
Allowance Coverage of NPLs0.3x0.5x0.4x0.8x0.3x1.1x0.7x0.4x-0.4x
Capital
Tier 1 Leverage Ratio12.30%11.91%11.80%10.57%10.26%9.60%10.01%10.47%-9 bps
Total Risk-Based Capital12.30%11.91%11.80%10.57%10.26%9.60%10.01%10.47%-9 bps
Equity / Assets12.49%12.05%11.06%10.32%10.26%9.71%10.25%10.62%+30 bps
Liquidity & Funding
Loans / Deposits48.92%51.23%39.91%35.05%35.72%41.17%40.91%36.97%+192 bps
Liquid Assets / Assets56.53%54.20%51.06%67.91%67.15%62.32%62.68%66.35%-156 bps
CRE / Total Capitaln/an/an/an/a8.89%9.50%2.32%n/an/a