Farmers State Bank
Dublin, GA · Cert 19720 · Peer group: banks under $1B in assets in GA (n=58-59) · Farmers Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
$156.2MAssets
$124.3MLoans
$134.3MDeposits
$20.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 92% of banks under $1B in assets in GA (rank 5 of 59).
- Widest gap: efficiency ratio trails 51% of banks under $1B in assets in GA (rank 31 of 59).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.68%
Rank 16 of 59
Net Interest Margin
5.24%
Rank 5 of 59
Efficiency Ratio
60.26%
Rank 31 of 59
Equity / Assets
12.98%
Rank 19 of 59
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 49% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.68% | 0.94% | 1.46% | 1.76% | Beats 73% | 16 / 59 | | |
| Return on Equity | 12.98% | 7.92% | 11.60% | 15.10% | Beats 59% | 24 / 59 | | |
| Net Interest Margin | 5.24% | 3.66% | 4.24% | 4.75% | Beats 92% | 5 / 59 | | |
| Efficiency Ratio | 60.26% | 51.87% | 60.25% | 70.24% | Beats 49% | 31 / 59 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.28% | 0.10% | 0.36% | 0.89% | Beats 62% | 23 / 58 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 57% | 26 / 58 | | |
| Capital |
| Tier 1 Capital Ratio | 18.09% | 11.93% | 15.65% | 21.05% | Beats 59% | 24 / 59 | | |
| Total Risk-Based Capital Ratio | 19.36% | 12.05% | 15.77% | 22.26% | Beats 59% | 24 / 59 | | |
| Equity / Assets | 12.98% | 9.10% | 11.51% | 14.32% | Beats 68% | 19 / 59 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.57% | 59.62% | 72.81% | 85.44% | 86th pctl | 8 / 58 | | |
| Loans / Assets | 79.59% | 49.55% | 64.39% | 73.73% | 88th pctl | 7 / 59 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |