Farmers State Bank of Hamel

Hamel, MN · Cert 8214 · Peer group: banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (n=53)

State charter, non-member · FDIC · 2 branches

Q2 2026

$198.3MAssets

$65.1MLoans

$185.1MDeposits

$12.5MEquity

Executive Summary

Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 3 of 53).
Widest gap: net interest margin trails 100% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area (rank 53 of 53).
Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.74%

Rank 39 of 53

Net Interest Margin

2.52%

Rank 53 of 53

Efficiency Ratio

61.58%

Rank 22 of 53

Equity / Assets

6.32%

Rank 52 of 53

Unfavorable gap of $2.9M · efficiency ratio beats 60% of banks under $1B in assets in the Minneapolis-St. Paul-Bloomington, MN-WI area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	0.74%	0.73%	1.11%	1.30%	Beats 26%	39 / 53
Return on Equity	11.72%	7.88%	12.20%	14.12%	Beats 47%	28 / 53
Net Interest Margin	2.52%	3.39%	3.77%	4.09%	Beats 0%	53 / 53
Efficiency Ratio	61.58%	56.05%	65.05%	71.57%	Beats 60%	22 / 53
Asset Quality
Nonperforming Loans / Loans	0.00%	0.14%	0.52%	1.20%	Beats 100%	3 / 53
Net Charge-Offs / Loans	0.00%	0.00%	0.01%	0.08%	Beats 100%	13 / 53
Capital
Tier 1 Capital Ratio	9.52%	10.73%	12.98%	15.08%	Beats 2%	52 / 53
Total Risk-Based Capital Ratio	9.52%	11.49%	13.79%	16.34%	Beats 2%	52 / 53
Equity / Assets	6.32%	8.08%	9.25%	10.72%	Beats 2%	52 / 53
Liquidity & Funding
Loans / Deposits	35.18%	72.13%	82.29%	93.80%	0th pctl	53 / 53
Loans / Assets	32.83%	63.64%	71.80%	79.37%	0th pctl	53 / 53
Brokered Deposits / Deposits	n/a	Not reported for this institution