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Letter portraitLegal landscapeQuarterYTD

Farmers National Bank of Stafford, The

Stafford, KS · Cert 4775

FDIC · 4 branches

Q2 2025

$133.6MAssets
$81.7MLoans
$121.7MDeposits
$11.2MEquity
Loan mix
83%RE $43.0M13%C&I $7.0M4%Consumer $1.8MQ3 2023Q2 2025
Deposit mix
79%Interest-bearing $96.3M21%Noninterest $25.5MQ3 2023Q2 2025

Executive Summary

  • Earnings: ROA of -0.86%, down 117 bps year over year; NIM at 3.35%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.79%, down 43 bps from a year ago.
  • Funding: loans stand at 67.16% of deposits as of Q2 2025.

Return on Assets (quarter, annualized)

-0.86%-117 bps YoY

Net Interest Margin (quarter, annualized)

3.35%+60 bps YoY

Efficiency Ratio (quarter, annualized)

132.75%+4,720 bps YoY

Tier 1 Leverage Ratio

8.79%-43 bps YoY

NIM

3.59%Q2 ’234.36%Q2 ’244.83%Q2 ’25-5%+22%

Non-interest income vs. expense

2.55%Q2 ’232.53%Q2 ’244.66%Q2 ’25+1%+94%

Discrete quarter, annualized.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.41%0.38%0.51%0.31%0.60%0.80%0.68%-0.86%-117 bps
Return on Equity5.45%4.75%6.37%4.00%7.36%9.47%7.99%-10.25%-1,425 bps
Net Interest Margin2.97%2.95%2.79%2.75%2.88%3.01%3.18%3.35%+60 bps
Efficiency Ratio82.28%83.71%80.15%85.55%78.87%73.40%83.74%132.75%+4,720 bps
Non-Interest Burden2.38%2.42%2.18%2.31%2.21%2.14%2.36%4.48%+217 bps
Growth
Asset Growth (YoY)-11.88%-6.37%1.17%6.61%10.41%6.82%3.04%1.61%-500 bps
Loan Growth (YoY)5.02%4.25%4.34%6.77%8.37%10.80%11.21%6.94%+17 bps
Deposit Growth (YoY)-13.63%-11.63%0.36%5.83%9.26%10.55%1.73%2.56%-328 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.21%0.00%0.00%0.00%0.11%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%-0.01%-0.01%0.01%0.00%0.00%0.00%+1 bps
Allowance / Loans1.14%1.09%1.07%1.05%1.07%1.00%0.98%0.98%-7 bps
Allowance Coverage of NPLs12.1xn/a5.1xn/an/an/a9.0xn/an/a
Capital
Tier 1 Leverage Ratio9.42%9.52%9.21%9.21%9.00%9.31%9.14%8.79%-43 bps
Total Risk-Based Capital9.42%9.52%9.21%9.21%9.00%9.31%9.14%12.60%+338 bps
Equity / Assets7.75%8.29%7.70%7.82%8.37%8.59%8.41%8.41%+59 bps
Liquidity & Funding
Loans / Deposits63.94%69.70%61.78%64.41%63.42%69.86%67.53%67.16%+275 bps
Liquid Assets / Assets0.06%0.04%0.07%0.13%0.05%0.03%0.01%0.64%+51 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a