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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

$232.1MAssets
$114.5MLoans
$168.2MDeposits
$21.6MEquity
Loan mix
78%RE $80.5M20%C&I $21.2M2%Consumer $1.9MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $126.5M25%Noninterest $41.7MQ2 2025Q2 2026

NIM

3.80%Q2 ’244.10%Q2 ’254.58%Q2 ’26+38%+18%

Non-interest income vs. expense

1.84%Q2 ’241.85%Q2 ’252.31%Q2 ’26-73%+377%

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 0.70%, down 105 bps year over year; NIM at 3.20%.
  • Asset quality: problem loans at 0.17% of loans (-1 bps YoY), with net charge-offs at 0.00%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.70%-105 bps YoY

Net Interest Margin (quarter, annualized)

3.20%+48 bps YoY

Efficiency Ratio (quarter, annualized)

69.04%+2,407 bps YoY

Tier 1 Leverage Ratio

11.95%-38 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.75%0.03%0.62%0.64%0.70%-105 bps
Return on Equity19.74%0.34%6.38%6.54%7.39%-1,235 bps
Net Interest Margin2.72%2.77%3.12%3.12%3.20%+48 bps
Efficiency Ratio44.97%79.16%79.35%73.94%69.04%+2,407 bps
Non-Interest Burden0.45%2.16%2.43%2.26%2.17%+171 bps
Growth
Asset Growth (YoY)-1.11%11.29%6.11%4.27%7.26%+837 bps
Loan Growth (YoY)21.27%16.68%11.21%10.29%11.31%-996 bps
Deposit Growth (YoY)10.10%13.46%15.60%-1.14%1.26%-884 bps
Asset Quality
Nonperforming Loans / Loans0.18%0.17%0.14%0.15%0.17%-1 bps
Net Charge-Offs / Loans0.01%0.02%0.00%0.01%0.00%-1 bps
Allowance / Loans1.25%1.18%1.21%1.16%1.17%-8 bps
Allowance Coverage of NPLs7.0x7.0x8.7x7.6x6.9x-0.2x
Capital
Tier 1 Leverage Ratio12.33%12.10%12.23%12.20%11.95%-38 bps
Total Risk-Based Capital12.33%12.10%12.23%12.20%11.95%-38 bps
Equity / Assets9.09%9.44%9.89%9.66%9.31%+22 bps
Liquidity & Funding
Loans / Deposits61.93%65.92%63.47%66.75%68.08%+615 bps
Liquid Assets / Assets0.60%0.57%0.36%0.35%0.32%-28 bps
CRE / Total Capitaln/a83.37%62.21%84.94%n/an/a