Farmers State Bank
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
$790.3MAssets
$525.5MLoans
$664.3MDeposits
$53.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 62% of banks under $1B in assets (rank 240 of 629).
- Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 602 of 629).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
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 | 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 |