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Farmers State Bank

$1B-$10B Specialty: Other IN FDIC cert 14578

Designations: ✓ Community bank

Lagrange, IN

12 branches across IN · MI

883 banks in the $1B-$10B peer group nationally 16 in IN
View $1B-$10B leaderboard (IN) →

Farmers State Bank demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.40% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Efficiency Ratio 12.31% below tier average
  • + Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $1.3B
+1.9% YoY -1.2% QoQ
-$1.6B $2.8B
-0.1% YoY
$2.5B
+12.1% YoY
$6.2B
+9.0% YoY
21%
Total Loans ? $886.5M
+6.7% YoY +0.9% QoQ
-$1.1B $2.0B
+0.6% YoY
$1.8B
+14.1% YoY
$3.2B
+10.7% YoY
23%
Total Deposits ? $1.1B
+0.9% YoY -1.5% QoQ
-$1.2B $2.3B
-0.3% YoY
$2.0B
+11.7% YoY
$4.8B
+8.0% YoY
24%
Return on Assets ? 1.77%
+16.7% YoY +8.2% QoQ
+0.40% 1.37%
+19.6% YoY
0.88%
-9.0% YoY
1.24%
+13.1% YoY
83%
Net Interest Margin ? 3.94%
+13.3% YoY +5.8% QoQ
+0.12% 3.82%
+6.9% YoY
3.62%
+8.1% YoY
3.89%
+5.7% YoY
68%
Efficiency Ratio ? 48.74%
-5.1% YoY -2.1% QoQ
-12.31% 61.05%
-4.6% YoY
103.85%
+48.1% YoY
66.84%
-3.8% YoY
81%
Delinquency Rate ? 0.57%
+647.0% YoY -1.0% QoQ
-0.31% 0.89%
+14.1% YoY
0.84%
+20.9% YoY
0.95%
+18.8% YoY
49%
Loan-to-Deposit Ratio ? 79.82%
+5.8% YoY +2.4% QoQ
-4.38% 84.20%
+0.3% YoY
80.90%
+0.8% YoY
76.69%
+0.9% YoY
66%
Non-Interest-Bearing Deposit Share ? 25.56%
+12.2% YoY -1.9% QoQ
+4.28% 21.28%
-2.5% YoY
17.23%
-0.8% YoY
22.01%
-1.1% YoY
73%
Nonperforming Asset Ratio ? 0.40%
+682.6% YoY +1.0% QoQ
-0.27% 0.67%
+15.6% YoY
0.62%
+28.0% YoY
0.66%
+19.3% YoY
53%
Tier 1 Capital Ratio ? 16.96%
+2.3% YoY -1.0% QoQ
+1.79% 15.17%
+2.0% YoY
16.21%
+1.8% YoY
17.06%
+0.8% YoY
Top 14.8% in tier
Non-Interest Income / Assets ? 0.12%
-7.8% YoY -77.5% QoQ
-0.14% 0.26%
+1.6% YoY
0.81%
-14.6% YoY
0.32%
+4.0% YoY
41%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 883 peers in $1B-$10B

Top Strengths (3 metrics)

132
Tier 1 Capital Ratio
capital
Value: 16.96%
Peer Median: 15.17%
#132 of 883 Top 14.8% in $1B-$10B
152
Return on Assets
profitability
Value: 1.77%
Peer Median: 1.37%
#152 of 883 Top 17.1% in $1B-$10B
165
Efficiency Ratio
profitability
Value: 48.74%
Peer Median: 61.05%
#165 of 883 Top 18.6% in $1B-$10B

Top Weaknesses (3 metrics)

701
Total Assets
size
Value: $1.26B
Peer Median: $2.82B
#701 of 883 Bottom 20.7% in $1B-$10B
682
Total Loans
size
Value: $886.55M
Peer Median: $1.97B
#682 of 883 Bottom 22.9% in $1B-$10B
676
Total Deposits
size
Value: $1.11B
Peer Median: $2.34B
#676 of 883 Bottom 23.6% in $1B-$10B
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