Farmers State Bank
Pine Bluffs, WY · Cert 526 · Peer group: banks under $1B in assets (n=581-629) · 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 81 of 581).
- Widest gap: efficiency ratio trails 57% of banks under $1B in assets (rank 359 of 629).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.07%
Rank 294 of 629
Net Interest Margin
4.09%
Rank 146 of 629
Efficiency Ratio
70.34%
Rank 359 of 629
Equity / Assets
11.40%
Rank 262 of 629
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.60% | 1.01% | 1.45% | Beats 53% | 294 / 629 | | |
| Return on Equity | 9.36% | 5.38% | 9.30% | 13.28% | Beats 50% | 314 / 629 | | |
| Net Interest Margin | 4.09% | 3.03% | 3.54% | 4.05% | Beats 77% | 146 / 629 | | |
| Efficiency Ratio | 70.34% | 58.35% | 67.79% | 79.08% | Beats 43% | 359 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 27.75% | 11.24% | 13.84% | 18.77% | Beats 86% | 90 / 629 | | |
| Total Risk-Based Capital Ratio | 29.00% | 11.58% | 14.43% | 19.66% | Beats 86% | 87 / 629 | | |
| Equity / Assets | 11.40% | 9.09% | 10.65% | 13.80% | Beats 58% | 262 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 52.97% | 67.24% | 80.90% | 93.48% | 12th pctl | 521 / 594 | | |
| Loans / Assets | 46.63% | 53.31% | 67.71% | 78.15% | 18th pctl | 516 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |