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Farmers Bank, The

Carnegie, OK · Cert 4054

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

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.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

36

Q2 2024Q2 2026peer median (50)

Asset Quality

62

Q2 2024Q2 2026peer median (50)

Profitability

38

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

33

Q2 2024Q2 2026peer median (50)

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.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers Bank, The

Carnegie, OK · Cert 4054

State charter, non-member · FDIC · 2 branches

Q2 2026

$139.6MAssets
$122.3MLoans
$121.1MDeposits
$14.5MEquity
Loan mix
77%RE $75.4M19%C&I $18.8M3%Consumer $3.2MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $95.3M21%Noninterest $25.9MQ3 2024Q2 2026

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.1% share · #60 of 71 inst. · $0.0B of $60.8B

9.6% Caddo
0.1% Oklahoma

Executive Summary

  • Earnings: ROA of 0.90%, up 2 bps year over year; NIM at 4.18%.
  • Asset quality: problem loans at 0.32% of loans (-3 bps YoY), with net charge-offs at 0.03%.
  • Capital: tier 1 leverage ratio of 11.58%, up 130 bps from a year ago.
  • Funding: loans stand at 100.93% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.90%+2 bps YoY

Net Interest Margin (YTD, annualized)

4.18%+18 bps YoY

Efficiency Ratio (YTD, annualized)

67.87%-180 bps YoY

Tier 1 Leverage Ratio

11.58%+130 bps YoY

NIM

6.45%Q2 ’246.57%Q2 ’256.58%Q2 ’26-9%+4%

Non-interest income vs. expense

3.46%Q2 ’242.91%Q2 ’252.95%Q2 ’26-15%+2%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.74%0.70%0.77%0.88%0.99%1.04%0.94%0.90%+2 bps
Return on Equity6.61%6.29%7.50%8.60%9.65%9.77%7.94%7.97%-63 bps
Net Interest Margin4.31%4.09%4.08%4.00%4.06%3.98%4.24%4.18%+18 bps
Efficiency Ratio74.99%76.13%71.88%69.67%66.88%65.36%67.27%67.87%-180 bps
Non-Interest Burden3.17%3.07%2.88%2.73%2.66%2.54%2.79%2.78%+5 bps
Growth
Asset Growth (YoY)15.68%14.67%27.41%23.19%19.19%25.63%18.63%34.87%+1,169 bps
Loan Growth (YoY)24.87%31.01%31.59%31.90%23.96%23.47%24.74%33.29%+139 bps
Deposit Growth (YoY)5.10%5.83%30.22%25.00%29.37%35.69%13.20%31.56%+657 bps
Asset Quality
Nonperforming Loans / Loans0.47%0.42%0.38%0.35%0.34%0.68%0.43%0.32%-3 bps
Net Charge-Offs / Loans0.18%0.12%-0.01%-0.01%0.00%0.00%0.06%0.03%+4 bps
Allowance / Loans1.38%1.31%1.27%1.24%1.24%1.23%1.18%1.09%-15 bps
Allowance Coverage of NPLs3.0x3.2x3.3x3.5x3.7x1.8x2.8x3.4x-0.1x
Capital
Tier 1 Leverage Ratio12.07%11.78%10.85%10.28%10.55%12.48%12.11%11.58%+130 bps
Total Risk-Based Capital12.07%11.78%10.85%10.28%10.55%12.48%12.11%11.58%+130 bps
Equity / Assets10.70%10.82%9.86%10.11%10.26%12.11%11.58%10.41%+31 bps
Liquidity & Funding
Loans / Deposits104.12%109.85%93.70%99.62%99.77%99.97%103.24%100.93%+131 bps
Liquid Assets / Assets2.28%2.40%2.21%2.33%4.17%2.27%4.66%3.46%+112 bps
CRE / Total Capitaln/an/an/an/a294%267%289%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers Bank, The

Carnegie, OK · Cert 4054 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 2 branches

Q2 2026

$139.6MAssets
$122.3MLoans
$121.1MDeposits
$14.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets in OK (rank 24 of 88).
  • Widest gap: return on assets trails 79% of banks under $1B in assets in OK (rank 70 of 89).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.81%

Rank 70 of 89

Net Interest Margin

4.18%

Rank 32 of 89

Efficiency Ratio

67.87%

Rank 61 of 89

Equity / Assets

10.41%

Rank 53 of 89

Non-interest income vs. expense

$0.2M$3.8MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 33% of banks under $1B in assets in OK
Bank 67.87%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.81%0.85%1.26%1.60%Beats 21%70 / 89
Return on Equity7.81%7.40%11.89%14.65%Beats 28%64 / 89
Net Interest Margin4.18%3.46%3.93%4.45%Beats 64%32 / 89
Efficiency Ratio67.87%54.70%60.95%71.14%Beats 33%61 / 89
Asset Quality
Nonperforming Loans / Loans0.32%0.30%0.82%2.25%Beats 74%24 / 88
Net Charge-Offs / Loans0.03%0.00%0.03%0.20%Beats 49%46 / 88
Capital
Tier 1 Capital Ratio11.58%10.89%13.00%16.33%Beats 34%59 / 89
Total Risk-Based Capital Ratio11.58%11.20%13.06%16.33%Beats 34%59 / 89
Equity / Assets10.41%9.26%10.94%13.52%Beats 40%53 / 89
Liquidity & Funding
Loans / Deposits100.93%61.51%72.27%84.01%97th pctl3 / 88
Loans / Assets87.57%52.51%63.15%71.27%98th pctl2 / 89
Brokered Deposits / Depositsn/aNot reported for this institution