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Farmers State Bank of Hoffman

Hoffman, IL · Cert 9259 · Farmers State Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the St. Louis, MO-IL area3

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 in the St. Louis, MO-IL area (n=38 to 40). 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

40

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

70

Q2 2024Q2 2026peer median

Efficiency

30

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 of Hoffman

Hoffman, IL · Cert 9259 · Farmers State Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$232.1MAssets
$114.5MLoans
$168.2MDeposits
$21.6MEquity
Loan mix
78%RE $80.5M20%C&I $21.2M2%Consumer $1.9MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $126.5M25%Noninterest $41.7MQ3 2024Q2 2026

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #74 of 111 inst. · $0.1B of $141.7B

6.5% Clinton
5.1% Marion
1.5% Washington

Executive Summary

  • Earnings: ROA of 0.67%, down 44 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.17% of loans (-1 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.95%, down 38 bps from a year ago.
  • Funding: loans stand at 68.08% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.67%-44 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+48 bps YoY

Efficiency Ratio (YTD, annualized)

71.41%+1,226 bps YoY

Tier 1 Leverage Ratio

11.95%-38 bps YoY

NIM

3.81%Q2 ’243.99%Q2 ’254.40%Q2 ’26+33%+18%

Non-interest income vs. expense

1.92%Q2 ’242.01%Q2 ’252.31%Q2 ’26-31%+77%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.14%0.44%1.10%0.74%0.71%0.64%0.67%-44 bps
Return on Equity2.34%1.71%5.20%12.74%8.33%7.82%6.54%6.95%-579 bps
Net Interest Margin2.05%2.23%2.57%2.61%2.63%2.76%3.12%3.09%+48 bps
Efficiency Ratio89.96%91.76%80.94%59.15%65.30%68.88%73.94%71.41%+1,226 bps
Non-Interest Burden1.82%2.03%2.05%1.22%1.52%1.75%2.26%2.16%+94 bps
Growth
Asset Growth (YoY)-10.58%-8.38%-3.66%-1.11%11.29%6.11%4.27%7.26%+837 bps
Loan Growth (YoY)16.71%13.87%21.25%21.27%16.68%11.21%10.29%11.31%-996 bps
Deposit Growth (YoY)-3.44%-2.79%10.51%10.10%13.46%15.60%-1.14%1.26%-884 bps
Asset Quality
Nonperforming Loans / Loans0.23%0.19%0.18%0.18%0.17%0.14%0.15%0.17%-1 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.01%0.01%0.01%0.01%0 bps
Allowance / Loans1.21%1.28%1.22%1.25%1.18%1.21%1.16%1.17%-8 bps
Allowance Coverage of NPLs5.2x6.7x6.7x7.0x7.0x8.7x7.6x6.9x-0.2x
Capital
Tier 1 Leverage Ratio12.01%12.69%12.26%12.33%12.10%12.23%12.20%11.95%-38 bps
Total Risk-Based Capital12.01%12.69%12.26%12.33%12.10%12.23%12.20%11.95%-38 bps
Equity / Assets9.64%8.26%8.61%9.09%9.44%9.89%9.66%9.31%+22 bps
Liquidity & Funding
Loans / Deposits64.10%65.97%59.83%61.93%65.92%63.47%66.75%68.08%+615 bps
Liquid Assets / Assets1.12%1.09%2.23%0.60%0.57%0.36%0.35%0.32%-28 bps
CRE / Total Capitaln/an/an/an/a83.37%62.21%84.94%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 of Hoffman

Hoffman, IL · Cert 9259 · Peer group: banks under $1B in assets in the St. Louis, MO-IL area (n=38-40) · Farmers State Bcorp Inc.

State charter, non-member · FDIC · 3 branches

Q2 2026

$232.1MAssets
$114.5MLoans
$168.2MDeposits
$21.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 74% of banks under $1B in assets in the St. Louis, MO-IL area (rank 11 of 38).
  • Widest gap: net interest margin trails 75% of banks under $1B in assets in the St. Louis, MO-IL area (rank 30 of 40).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.64%

Rank 29 of 40

Net Interest Margin

3.09%

Rank 30 of 40

Efficiency Ratio

71.41%

Rank 29 of 40

Equity / Assets

9.31%

Rank 23 of 40

Non-interest income vs. expense

$0.3M$5.3MINCOMEEXPENSE
Unfavorable gap of $4.9M · efficiency ratio beats 30% of banks under $1B in assets in the St. Louis, MO-IL area
Bank 71.41%Peer median 64.4%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.64%0.64%1.04%1.26%Beats 28%29 / 40
Return on Equity6.89%6.25%9.97%13.41%Beats 28%29 / 40
Net Interest Margin3.09%3.09%3.22%3.62%Beats 25%30 / 40
Efficiency Ratio71.41%57.08%64.37%75.86%Beats 30%29 / 40
Asset Quality
Nonperforming Loans / Loans0.17%0.14%0.62%1.92%Beats 74%11 / 38
Net Charge-Offs / Loans0.01%0.00%0.01%0.09%Beats 63%15 / 38
Capital
Tier 1 Capital Ratio11.95%10.29%12.88%15.77%Beats 43%23 / 40
Total Risk-Based Capital Ratio11.95%10.64%13.30%17.01%Beats 35%26 / 40
Equity / Assets9.31%8.59%9.46%12.46%Beats 43%23 / 40
Liquidity & Funding
Loans / Deposits68.08%66.12%79.48%94.60%28th pctl29 / 40
Loans / Assets49.34%54.69%68.52%77.46%15th pctl34 / 40
Brokered Deposits / Depositsn/aNot reported for this institution