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Farmers State Bank

Pine Bluffs, WY · Cert 526 · Commercial Bcorp

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets3

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 (n=570 to 617). 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

77

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

43

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 State Bank

Pine Bluffs, WY · Cert 526 · Commercial Bcorp

State charter, Fed member · FED · 1 branch

Q2 2026

$35.4MAssets
$16.5MLoans
$31.2MDeposits
$4.0MEquity
Loan mix
82%RE $11.9M12%C&I $1.8M6%Consumer $0.9MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $21.6M31%Noninterest $9.6MQ2 2025Q2 2026

NIM

4.87%Q2 ’245.14%Q2 ’254.76%Q2 ’26+3%-10%

Non-interest income vs. expense

3.05%Q2 ’243.12%Q2 ’253.02%Q2 ’26+1%+1%

Market Position · Cheyenne, WY · 2026 SOD (annual) · 1.0% share · #16 of 19 inst. · $0.0B of $3.2B

Executive Summary

  • Earnings: ROA of 1.10%, down 37 bps year over year; NIM at 4.09%.
  • 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 10.85%, up 4 bps from a year ago.
  • Funding: loans stand at 52.97% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.10%-37 bps YoY

Net Interest Margin (YTD, annualized)

4.09%-46 bps YoY

Efficiency Ratio (YTD, annualized)

70.34%+636 bps YoY

Tier 1 Leverage Ratio

10.85%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.47%1.48%1.61%0.81%1.10%-37 bps
Return on Equity13.25%13.16%14.12%7.11%9.60%-365 bps
Net Interest Margin4.55%4.49%4.39%4.05%4.09%-46 bps
Efficiency Ratio63.98%63.92%61.61%75.73%70.34%+636 bps
Non-Interest Burden2.80%2.73%2.52%3.00%2.82%+2 bps
Growth
Asset Growth (YoY)10.84%3.86%9.01%14.01%9.00%-184 bps
Loan Growth (YoY)2.09%-1.17%-3.48%-7.37%5.17%+308 bps
Deposit Growth (YoY)10.25%2.18%7.99%13.57%9.10%-115 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.27%1.24%1.25%1.32%1.21%-6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.82%11.02%11.28%11.22%10.85%+4 bps
Total Risk-Based Capital27.35%27.25%28.21%30.73%29.00%+165 bps
Equity / Assets11.00%11.74%11.92%11.03%11.40%+41 bps
Liquidity & Funding
Loans / Deposits54.95%58.80%56.50%48.53%52.97%-198 bps
Liquid Assets / Assets47.26%43.97%44.29%53.24%48.67%+141 bps
CRE / Total Capitaln/a154.85%149.44%147.63%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 State Bank

Pine Bluffs, WY · Cert 526 · Peer group: banks under $1B in assets (n=570-617) · Commercial Bcorp

State charter, Fed member · FED · 1 branch

Q2 2026

$35.4MAssets
$16.5MLoans
$31.2MDeposits
$4.0MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 78 of 570).
  • Widest gap: efficiency ratio trails 57% of banks under $1B in assets (rank 351 of 617).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.07%

Rank 289 of 617

Net Interest Margin

4.09%

Rank 143 of 617

Efficiency Ratio

70.34%

Rank 351 of 617

Equity / Assets

11.40%

Rank 253 of 617

Non-interest income vs. expense

$0.1M$1.1MINCOMEEXPENSE
Unfavorable gap of $1.1M · efficiency ratio beats 43% of banks under $1B in assets
Bank 70.34%Peer median 67.8%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.07%0.60%1.01%1.45%Beats 53%289 / 617
Return on Equity9.36%5.30%9.43%13.30%Beats 49%313 / 617
Net Interest Margin4.09%3.04%3.54%4.05%Beats 77%143 / 617
Efficiency Ratio70.34%58.03%67.76%79.08%Beats 43%351 / 617
Asset Quality
Nonperforming Loans / Loans0.00%0.09%0.47%1.27%Beats 100%78 / 570
Net Charge-Offs / Loans0.00%n/a0.01%0.06%Beats 100%160 / 570
Capital
Tier 1 Capital Ratio27.75%11.18%13.83%18.55%Beats 86%84 / 617
Total Risk-Based Capital Ratio29.00%11.56%14.39%19.39%Beats 87%80 / 617
Equity / Assets11.40%9.03%10.55%13.63%Beats 59%253 / 617
Liquidity & Funding
Loans / Deposits52.97%64.77%79.70%93.06%13th pctl504 / 582
Loans / Assets46.63%51.70%67.18%77.51%19th pctl498 / 617
Brokered Deposits / Depositsn/aNot reported for this institution