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
Unfavorable gap of $1.1M · efficiency ratio beats 43% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.60% | 1.01% | 1.45% | Beats 53% | 289 / 617 | |
| Return on Equity | 9.36% | 5.30% | 9.43% | 13.30% | Beats 49% | 313 / 617 | |
| Net Interest Margin | 4.09% | 3.04% | 3.54% | 4.05% | Beats 77% | 143 / 617 | |
| Efficiency Ratio | 70.34% | 58.03% | 67.76% | 79.08% | Beats 43% | 351 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.47% | 1.27% | Beats 100% | 78 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 27.75% | 11.18% | 13.83% | 18.55% | Beats 86% | 84 / 617 | |
| Total Risk-Based Capital Ratio | 29.00% | 11.56% | 14.39% | 19.39% | Beats 87% | 80 / 617 | |
| Equity / Assets | 11.40% | 9.03% | 10.55% | 13.63% | Beats 59% | 253 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 52.97% | 64.77% | 79.70% | 93.06% | 13th pctl | 504 / 582 | |
| Loans / Assets | 46.63% | 51.70% | 67.18% | 77.51% | 19th pctl | 498 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |