Farmers State Bank
Lake View, IA · Cert 9295 · Peer group: banks under $1B in assets in IA (n=134-135) · Jems Inc.
State charter, Fed member · FED · 1 branch
Q2 2026
$36.7MAssets
$12.7MLoans
$31.5MDeposits
$5.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in IA (rank 21 of 134).
- Widest gap: return on equity trails 72% of banks under $1B in assets in IA (rank 97 of 135).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.15%
Rank 77 of 135
Net Interest Margin
3.44%
Rank 62 of 135
Efficiency Ratio
59.77%
Rank 85 of 135
Equity / Assets
14.00%
Rank 27 of 135
Non-interest income vs. expense
Unfavorable gap of $794K · efficiency ratio beats 38% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.92% | 1.19% | 1.47% | Beats 43% | 77 / 135 | | |
| Return on Equity | 8.18% | 7.99% | 10.26% | 13.14% | Beats 28% | 97 / 135 | | |
| Net Interest Margin | 3.44% | 2.95% | 3.41% | 3.73% | Beats 54% | 62 / 135 | | |
| Efficiency Ratio | 59.77% | 50.61% | 57.35% | 63.29% | Beats 38% | 85 / 135 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.03% | 0.51% | 1.26% | Beats 100% | 21 / 134 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 46% | 74 / 134 | | |
| Capital |
| Tier 1 Capital Ratio | 13.07% | 11.23% | 13.31% | 15.45% | Beats 47% | 72 / 135 | | |
| Total Risk-Based Capital Ratio | 13.07% | 11.61% | 14.06% | 16.47% | Beats 41% | 80 / 135 | | |
| Equity / Assets | 14.00% | 9.87% | 11.05% | 13.07% | Beats 80% | 27 / 135 | | |
| Liquidity & Funding |
| Loans / Deposits | 40.43% | 68.54% | 81.55% | 91.24% | 5th pctl | 127 / 134 | | |
| Loans / Assets | 34.70% | 57.61% | 68.06% | 76.23% | 5th pctl | 128 / 135 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |