Dublin, GA · Cert 19720 · Farmers Bancshares Inc.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (4 in holding)
Q2 2026
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 | 1.44% | 1.45% | 1.48% | 1.54% | 1.60% | 1.66% | 1.64% | 1.69% | +15 bps | |
| Return on Equity | 12.26% | 12.38% | 12.58% | 13.03% | 13.46% | 13.69% | 12.94% | 13.18% | +15 bps | |
| Net Interest Margin | 4.62% | 4.57% | 4.86% | 4.95% | 4.96% | 5.12% | 5.22% | 5.24% | +29 bps | |
| Efficiency Ratio | 62.18% | 62.36% | 62.37% | 61.86% | 60.85% | 60.27% | 60.72% | 60.26% | -160 bps | |
| Non-Interest Burden | 2.74% | 2.72% | 2.91% | 2.94% | 2.89% | 2.94% | 3.05% | 3.04% | +10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.01% | 5.80% | 1.69% | 4.73% | 5.42% | 1.65% | 5.11% | 1.54% | -319 bps | |
| Loan Growth (YoY) | 5.38% | 2.42% | -2.53% | -0.67% | -0.67% | -1.25% | 4.57% | 4.01% | +468 bps | |
| Deposit Growth (YoY) | 1.01% | 8.21% | 0.47% | 4.03% | 5.21% | -0.10% | 4.41% | 0.24% | -379 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.29% | 1.78% | 0.97% | 0.23% | 0.16% | 0.29% | 0.06% | 0.28% | +5 bps | |
| Net Charge-Offs / Loans | 0.05% | 0.10% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0.01% | 0 bps | |
| Allowance / Loans | 2.40% | 2.36% | 2.46% | 2.45% | 2.46% | 2.48% | 2.43% | 2.43% | -1 bps | |
| Allowance Coverage of NPLs | 8.4x | 1.3x | 2.5x | 10.9x | 15.3x | 8.6x | 41.1x | 8.8x | -2.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 13.34% | 12.87% | 13.28% | 13.32% | 13.33% | 13.85% | 13.87% | 13.92% | +60 bps | |
| Total Risk-Based Capital | 13.34% | 17.97% | 18.25% | 18.36% | 19.00% | 18.86% | 19.26% | 19.36% | +100 bps | |
| Equity / Assets | 12.29% | 11.63% | 11.92% | 11.88% | 12.26% | 12.91% | 12.51% | 12.98% | +110 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 94.10% | 92.50% | 89.44% | 89.22% | 88.85% | 91.44% | 89.58% | 92.57% | +336 bps | |
| Liquid Assets / Assets | 4.74% | 6.18% | 8.39% | 8.69% | 9.84% | 8.23% | 9.94% | 7.52% | -117 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 276% | 270% | 284% | n/a | n/a | |