Farmers State Bank
Lincolnton, GA · Cert 879 · Peer group: banks under $1B in assets (n=581-629) · Lincoln Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$186.2MAssets
$89.2MLoans
$160.3MDeposits
$25.0MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 96% of banks under $1B in assets (rank 26 of 629).
- Widest gap: net charge-offs / loans trails 81% of banks under $1B in assets (rank 469 of 581).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.10%
Rank 71 of 629
Net Interest Margin
5.00%
Rank 26 of 629
Efficiency Ratio
53.64%
Rank 108 of 629
Equity / Assets
13.40%
Rank 175 of 629
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 83% 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 | 2.10% | 0.60% | 1.01% | 1.45% | Beats 89% | 71 / 629 | | |
| Return on Equity | 15.65% | 5.38% | 9.30% | 13.28% | Beats 86% | 88 / 629 | | |
| Net Interest Margin | 5.00% | 3.03% | 3.54% | 4.05% | Beats 96% | 26 / 629 | | |
| Efficiency Ratio | 53.64% | 58.35% | 67.79% | 79.08% | Beats 83% | 108 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.17% | 0.09% | 0.46% | 1.20% | Beats 67% | 190 / 581 | | |
| Net Charge-Offs / Loans | 0.10% | n/a | 0.01% | 0.06% | Beats 19% | 469 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 31.65% | 11.24% | 13.84% | 18.77% | Beats 88% | 75 / 629 | | |
| Total Risk-Based Capital Ratio | 32.91% | 11.58% | 14.43% | 19.66% | Beats 88% | 75 / 629 | | |
| Equity / Assets | 13.40% | 9.09% | 10.65% | 13.80% | Beats 72% | 175 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 55.63% | 67.24% | 80.90% | 93.48% | 14th pctl | 510 / 594 | | |
| Loans / Assets | 47.89% | 53.31% | 67.71% | 78.15% | 20th pctl | 506 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |