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Farmers State Bank & Trust Co.

$100M-$1B Specialty: Commercial LA FDIC cert 16114

Designations: ✓ CDFI-certified

Church Point, LA

5 branches across LA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 73 in LA.
  • Deposits +3.5% year over year ($159.7M on the books).
  • Delinquency rate 2.81%.
  • Return on assets 1.93%.
  • Efficiency ratio 58.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 50.74% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 73 in LA
View $100M-$1B leaderboard (LA) →

Farmers State Bank & Trust Co. has 3 strengths but faces 2 concerns

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 0.61% above tier average
  • + Net Interest Margin 0.36% above tier average
  • + Efficiency Ratio 6.03% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 22.2% in tier
  • - Delinquency Rate 1.89% above tier average
Get updates when Farmers State Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Total Assets ? $174.7M
+3.5% YoY +0.3% QoQ
-$211.9M $386.6M
+1.2% YoY
$799.3M
+7.8% YoY
$6.3B
+7.7% YoY
20%
Total Loans ? $81.0M
+7.9% YoY +5.8% QoQ
-$177.3M $258.3M
+1.7% YoY
$538.5M
+5.3% YoY
$3.2B
+9.4% YoY
Bottom 10.8% in tier
Total Deposits ? $159.7M
+3.5% YoY +0.1% QoQ
-$167.1M $326.7M
+0.7% YoY
$677.9M
+7.3% YoY
$4.9B
+7.3% YoY
24%
Return on Assets ? 1.93%
-6.1% YoY +5.0% QoQ
+0.61% 1.32%
+10.8% YoY
1.37%
+23.6% YoY
1.30%
+12.1% YoY
Top 14.9% in tier
Net Interest Margin ? 4.35%
+0.3% YoY +2.7% QoQ
+0.36% 3.99%
+5.0% YoY
4.15%
+0.0% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 58.45%
+5.2% YoY -2.2% QoQ
-6.03% 64.48%
-3.2% YoY
69.40%
-0.9% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 2.81%
-6.8% QoQ
+1.89% 0.92%
+15.7% YoY
1.53%
+7.9% YoY
0.98%
+16.3% YoY
Bottom 7.1% in tier
Loan-to-Deposit Ratio ? 50.74%
+4.2% YoY +5.7% QoQ
-27.21% 77.95%
+1.0% YoY
77.15%
-1.0% YoY
79.03%
+2.3% YoY
Top 8.7% in tier
Non-Interest-Bearing Deposit Share ? 32.41%
-1.6% YoY +0.4% QoQ
+10.38% 22.03%
-0.6% YoY
24.65%
+0.5% YoY
21.98%
-0.6% YoY
Top 13.6% in tier
Nonperforming Asset Ratio ? 1.30%
-1.7% QoQ
+0.64% 0.67%
+16.4% YoY
1.11%
+4.1% YoY
0.69%
+15.8% YoY
Bottom 14.9% in tier
Tier 1 Capital Ratio ? 9.10%
-3.4% YoY -0.0% QoQ
-6.81% 15.91%
+1.4% YoY
17.35%
+5.4% YoY
17.09%
+0.8% YoY
Bottom 1.6% in tier
Non-Interest Income / Assets ? 0.28%
-1.3% YoY +90.3% QoQ
-0.29% 0.57%
+7.6% YoY
0.33%
+19.6% YoY
0.66%
+5.2% YoY
68%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Noninterest-Bearing 32.4%
-0.5pp YoY
+0.1pp QoQ
 +10.3pp 22.1% 24.6% 22.2% 86%
Brokered Deposits 0.6%
0.0pp YoY
0.0pp QoQ
 -7.2pp 7.9% 6.7% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
C&I 15.5%
-1.1pp YoY
+0.6pp QoQ
 +3.9pp 11.6% 12.6% 12.5% 78%
CRE 51.4%
+1.2pp YoY
0.0pp QoQ
 +11.8pp 39.5% 44.9% 41.4% 72%
1-4 Family 17.8%
-2.9pp YoY
-1.6pp QoQ
 -14.8pp 32.6% 34.2% 31.3% 25%
Consumer 4.1%
-0.9pp YoY
-0.7pp QoQ
 0.0pp 4.1% 4.2% 5.0% 71%

Capital

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.5% 19.7% n/a
Leverage Ratio 9.1%
-0.3pp YoY
0.0pp QoQ
 -3.1pp 12.2% 13.4% 12.6% 14%
Total Capital Ratio n/a n/a 19.9% 23.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Full-Time Employees 43
0 YoY
0 QoQ
 -16 58 114 482 45%
Assets per Employee ($) $4.1M
+3.5% YoY
+0.3% QoQ
 -$3.5M $7.5M $6.8M $8.8M 5%
Branch Count 5
0 YoY
0 QoQ
 0 4 9 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 2.8%
+2.8pp YoY
-0.2pp QoQ
 +1.9pp 0.9% 1.4% 1.0% 93%
Allowance Coverage 0.66x
-99.0% YoY
-0.6% QoQ
 -23.50x 24.15x 27.36x 20.23x 16%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (LA) National Avg Tier Percentile
ROE 23.8%
-2.8pp YoY
+1.5pp QoQ
 +11.6pp 12.2% 12.5% 11.6% 95%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.7% 1.7% 21%
Net Income ($, YTD) $1.7M
-3.7% YoY
— QoQ
 -$881K $2.6M $5.1M $40.4M 46%

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 (1)

Capital Thin

risk
#148 of 661 • Bottom 22.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.10%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

230
Loan-to-Deposit Ratio
liquidity
Value: 50.74%
Peer Median: 77.95%
#230 of 2643 Top 8.7% in $100M-$1B
360
Non-Interest-Bearing Deposit Share
funding
Value: 32.41%
Peer Median: 22.03%
#360 of 2643 Top 13.6% in $100M-$1B
394
Return on Assets
profitability
Value: 1.93%
Peer Median: 1.32%
#394 of 2643 Top 14.9% in $100M-$1B

Top Weaknesses (6 metrics)

2601
Tier 1 Capital Ratio
capital
Value: 9.10%
Peer Median: 15.91%
#2601 of 2643 Bottom 1.6% in $100M-$1B
2447
Delinquency Rate
credit_quality
Value: 2.81%
Peer Median: 0.92%
#2447 of 2633 Bottom 7.1% in $100M-$1B
2358
Total Loans
size
Value: $81.03M
Peer Median: $258.35M
#2358 of 2643 Bottom 10.8% in $100M-$1B
2250
Nonperforming Asset Ratio
credit_quality
Value: 1.30%
Peer Median: 0.67%
#2250 of 2643 Bottom 14.9% in $100M-$1B
2113
Total Assets
size
Value: $174.68M
Peer Median: $386.57M
#2113 of 2643 Bottom 20.1% in $100M-$1B
2015
Total Deposits
size
Value: $159.68M
Peer Median: $326.73M
#2015 of 2643 Bottom 23.8% in $100M-$1B
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