Farmers State Bank
Victor, MT · Cert 342 · Peer group: banks under $1B in assets (n=570-617) · Farmers State Financial Corp.
State charter, Fed member · FED · 10 branches
Q2 2026
$790.3MAssets
$525.5MLoans
$664.3MDeposits
$53.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 61% of banks under $1B in assets (rank 238 of 617).
- Widest gap: equity / assets trails 95% of banks under $1B in assets (rank 589 of 617).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.76%
Rank 420 of 617
Net Interest Margin
3.75%
Rank 247 of 617
Efficiency Ratio
72.94%
Rank 386 of 617
Equity / Assets
6.80%
Rank 589 of 617
Non-interest income vs. expense
Unfavorable gap of $21.0M · efficiency ratio beats 38% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.76% | 0.60% | 1.01% | 1.45% | Beats 32% | 420 / 617 | |
| Return on Equity | 11.17% | 5.30% | 9.43% | 13.30% | Beats 61% | 238 / 617 | |
| Net Interest Margin | 3.75% | 3.04% | 3.54% | 4.05% | Beats 60% | 247 / 617 | |
| Efficiency Ratio | 72.94% | 58.03% | 67.76% | 79.08% | Beats 38% | 386 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.68% | 0.09% | 0.47% | 1.27% | Beats 40% | 344 / 570 | |
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 36% | 369 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 12.15% | 11.18% | 13.83% | 18.55% | Beats 35% | 400 / 617 | |
| Total Risk-Based Capital Ratio | 13.40% | 11.56% | 14.39% | 19.39% | Beats 42% | 356 / 617 | |
| Equity / Assets | 6.80% | 9.03% | 10.55% | 13.63% | Beats 5% | 589 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 79.12% | 64.77% | 79.70% | 93.06% | 49th pctl | 298 / 582 | |
| Loans / Assets | 66.50% | 51.70% | 67.18% | 77.51% | 49th pctl | 314 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |