Victor, MT · Cert 342 · Farmers State Financial Corp.
State charter, Fed member · FED · 10 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
27
Asset Quality
39
Profitability
51
Liquidity
95
Efficiency
38
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Victor, MT · Cert 342 · Farmers State Financial Corp.
State charter, Fed member · FED · 10 branches
Q2 2026
Market Position · Missoula, MT · 2026 SOD (annual) · 1.8% share · #8 of 11 inst. · $0.1B of $4.0B
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 | 0.29% | 0.42% | 0.70% | 0.72% | 0.76% | 0.76% | 0.84% | 0.77% | +5 bps | |
| Return on Equity | 5.33% | 7.83% | 11.97% | 11.95% | 12.05% | 11.85% | 12.21% | 11.16% | -79 bps | |
| Net Interest Margin | 2.92% | 2.95% | 3.34% | 3.46% | 3.52% | 3.51% | 3.71% | 3.75% | +29 bps | |
| Efficiency Ratio | 90.09% | 85.48% | 77.51% | 76.60% | 75.81% | 75.70% | 73.10% | 72.94% | -366 bps | |
| Non-Interest Burden | 2.59% | 2.46% | 2.49% | 2.55% | 2.56% | 2.55% | 2.61% | 2.60% | +5 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.37% | 1.03% | -2.20% | -0.53% | -0.11% | 6.60% | 9.47% | 10.17% | +1,070 bps | |
| Loan Growth (YoY) | 2.77% | 1.03% | 1.09% | 0.74% | 2.68% | 5.94% | 7.91% | 10.93% | +1,019 bps | |
| Deposit Growth (YoY) | 1.19% | 3.90% | 4.97% | 4.54% | 5.14% | 4.80% | 6.23% | 4.80% | +26 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.43% | 0.77% | 0.58% | 0.57% | 0.35% | 0.53% | 0.52% | 0.68% | +11 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.03% | -0.02% | 0.01% | 0.02% | 0.03% | 0.05% | 0.04% | +4 bps | |
| Allowance / Loans | 1.36% | 1.39% | 1.38% | 1.38% | 1.36% | 1.34% | 1.33% | 1.33% | -5 bps | |
| Allowance Coverage of NPLs | 3.2x | 1.8x | 2.4x | 2.4x | 3.9x | 2.5x | 2.5x | 1.9x | -0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.44% | 8.56% | 8.91% | 9.14% | 9.23% | 9.18% | 9.00% | 8.84% | -29 bps | |
| Total Risk-Based Capital | 13.81% | 14.11% | 14.23% | 14.25% | 14.17% | 14.02% | 13.97% | 13.40% | -85 bps | |
| Equity / Assets | 5.99% | 5.42% | 6.21% | 6.37% | 7.06% | 6.97% | 6.83% | 6.80% | +43 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 76.14% | 74.41% | 75.00% | 74.75% | 74.35% | 75.23% | 76.19% | 79.12% | +437 bps | |
| Liquid Assets / Assets | 4.21% | 3.10% | 1.45% | 1.78% | 0.99% | 0.81% | 1.14% | 1.18% | -60 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 373% | 378% | 382% | n/a | n/a | |
Victor, MT · Cert 342 · Peer group: banks under $1B in assets (n=581-629) · Farmers State Financial Corp.
State charter, Fed member · FED · 10 branches
Q2 2026
Return on Assets
0.76%
Rank 428 of 629
Net Interest Margin
3.75%
Rank 252 of 629
Efficiency Ratio
72.94%
Rank 394 of 629
Equity / Assets
6.80%
Rank 602 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.76% | 0.60% | 1.01% | 1.45% | Beats 32% | 428 / 629 | ||
| Return on Equity | 11.17% | 5.38% | 9.30% | 13.28% | Beats 62% | 240 / 629 | ||
| Net Interest Margin | 3.75% | 3.03% | 3.54% | 4.05% | Beats 60% | 252 / 629 | ||
| Efficiency Ratio | 72.94% | 58.35% | 67.79% | 79.08% | Beats 38% | 394 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.68% | 0.09% | 0.46% | 1.20% | Beats 39% | 354 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 38% | 365 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.15% | 11.24% | 13.84% | 18.77% | Beats 35% | 410 / 629 | ||
| Total Risk-Based Capital Ratio | 13.40% | 11.58% | 14.43% | 19.66% | Beats 42% | 366 / 629 | ||
| Equity / Assets | 6.80% | 9.09% | 10.65% | 13.80% | Beats 4% | 602 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 79.12% | 67.24% | 80.90% | 93.48% | 47th pctl | 312 / 594 | ||
| Loans / Assets | 66.50% | 53.31% | 67.71% | 78.15% | 48th pctl | 330 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||