Hoffman, IL · Cert 9259 · Farmers State Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.1% share · #74 of 111 inst. · $0.1B of $141.7B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.10% | -0.02% | 0.44% | 1.75% | 0.03% | 0.62% | 0.64% | 0.70% | -105 bps | |
| Return on Equity | 1.15% | -0.25% | 5.20% | 19.74% | 0.34% | 6.38% | 6.54% | 7.39% | -1,235 bps | |
| Net Interest Margin | 2.12% | 2.32% | 2.57% | 2.72% | 2.77% | 3.12% | 3.12% | 3.20% | +48 bps | |
| Efficiency Ratio | 89.27% | 96.94% | 80.94% | 44.97% | 79.16% | 79.35% | 73.94% | 69.04% | +2,407 bps | |
| Non-Interest Burden | 1.87% | 2.24% | 2.05% | 0.45% | 2.16% | 2.43% | 2.26% | 2.17% | +171 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 / Loans | 0.23% | 0.19% | 0.18% | 0.18% | 0.17% | 0.14% | 0.15% | 0.17% | -1 bps | |
| Net Charge-Offs / Loans | 0.00% | -0.01% | 0.00% | 0.01% | 0.02% | 0.00% | 0.01% | 0.00% | -1 bps | |
| Allowance / Loans | 1.21% | 1.28% | 1.22% | 1.25% | 1.18% | 1.21% | 1.16% | 1.17% | -8 bps | |
| Allowance Coverage of NPLs | 5.2x | 6.7x | 6.7x | 7.0x | 7.0x | 8.7x | 7.6x | 6.9x | -0.2x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.01% | 12.69% | 12.26% | 12.33% | 12.10% | 12.23% | 12.20% | 11.95% | -38 bps | |
| Total Risk-Based Capital | 12.01% | 12.69% | 12.26% | 12.33% | 12.10% | 12.23% | 12.20% | 11.95% | -38 bps | |
| Equity / Assets | 9.64% | 8.26% | 8.61% | 9.09% | 9.44% | 9.89% | 9.66% | 9.31% | +22 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 64.10% | 65.97% | 59.83% | 61.93% | 65.92% | 63.47% | 66.75% | 68.08% | +615 bps | |
| Liquid Assets / Assets | 1.12% | 1.09% | 2.23% | 0.60% | 0.57% | 0.36% | 0.35% | 0.32% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 83.37% | 62.21% | 84.94% | n/a | n/a | |