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The Farmers State Bank

$100M-$1B Specialty: Other OK FDIC cert 404

Quinton, OK

4 branches across OK

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 106 in OK.
  • Deposits -2.3% year over year ($182.1M on the books).
  • Delinquency rate 0.80%.
  • Return on assets 1.59%.
  • Efficiency ratio 68.16% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.92% 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 106 in OK
View $100M-$1B leaderboard (OK) →

The Farmers State Bank has 4 strengths but faces 3 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

  • + Revenue Diversifier: Top 29.3% in tier
  • + Net Interest Margin 1.50% above tier average
  • + ROA 0.26% above tier average
  • + Delinquency Rate 0.11% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 15.9% in tier
  • - Credit Quality Pressure: Bottom 44.8% in tier
  • - Efficiency Ratio 3.68% above tier average
Get updates when The Farmers State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $193.9M
-0.8% YoY -2.3% QoQ
-$192.6M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $125.5M
+3.1% YoY -2.4% QoQ
-$132.8M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $182.1M
-2.3% YoY -2.6% QoQ
-$144.6M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 1.59%
+15.9% YoY +2.6% QoQ
+0.26% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
70%
Net Interest Margin ? 5.49%
+7.0% YoY +0.4% QoQ
+1.50% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 3.0% in tier
Efficiency Ratio ? 68.16%
-0.9% YoY -0.4% QoQ
+3.68% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.80%
+35.5% YoY +52.7% QoQ
-0.11% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 68.92%
+5.5% YoY +0.2% QoQ
-9.03% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
71%
Non-Interest-Bearing Deposit Share ? 22.52%
+5.1% YoY +0.1% QoQ
+0.49% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
57%
Nonperforming Asset Ratio ? 0.52%
+40.9% YoY +52.6% QoQ
-0.15% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
38%
Tier 1 Capital Ratio ? 13.05%
+2.3% YoY +5.6% QoQ
-2.86% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
48%
Non-Interest Income / Assets ? 0.58%
+7.3% YoY +114.1% QoQ
+0.02% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 7.1% in tier

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 (OK) National Avg Tier Percentile
Noninterest-Bearing 22.5%
+1.1pp YoY
0.0pp QoQ
 +0.4pp 22.1% 23.9% 22.2% 57%
Brokered Deposits 1.4%
-1.8pp YoY
-1.2pp QoQ
 -6.5pp 7.9% 9.7% 8.5% 23%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 13.3%
+0.2pp YoY
-1.2pp QoQ
 +1.8pp 11.6% 15.7% 12.5% 70%
CRE n/a n/a 39.5% 42.0% 41.4% n/a
1-4 Family 34.5%
+1.5pp YoY
+1.4pp QoQ
 +1.8pp 32.6% 24.0% 31.3% 60%
Consumer 14.3%
-0.6pp YoY
+0.6pp QoQ
 +10.2pp 4.1% 5.6% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 13.1%
+0.3pp YoY
+0.7pp QoQ
 -5.8pp 18.8% 17.0% 19.7% 28%
Leverage Ratio 9.3%
+0.4pp YoY
0.0pp QoQ
 -2.9pp 12.2% 11.7% 12.6% 17%
Total Capital Ratio 14.3%
+0.3pp YoY
+0.7pp QoQ
 -5.7pp 19.9% 18.2% 20.8% 30%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 49
+2 (+4.3%) YoY
0 QoQ
 -10 58 150 482 52%
Assets per Employee ($) $4.0M
-4.9% YoY
-2.3% QoQ
 -$3.6M $7.5M $6.5M $8.8M 4%
Branch Count 4
0 YoY
0 QoQ
 -1 4 8 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.9% 0.4% 52%
Nonaccrual 0.7%
+0.1pp YoY
+0.2pp QoQ
 -0.2pp 0.9% 1.5% 1.0% 62%
Allowance Coverage 1.98x
-20.3% YoY
-33.7% QoQ
 -22.17x 24.15x 61.99x 20.23x 47%
Net Charge-off Rate (YTD) 0.5%
+0.3pp YoY
+0.2pp QoQ
 +0.3pp 0.1% 0.2% 0.2% 94%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 32.0%
-10.0pp YoY
+0.2pp QoQ
 +19.9pp 12.2% 11.9% 11.6% 98%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 40%
Net Income ($, YTD) $1.5M
+17.9% YoY
— QoQ
 -$1.0M $2.6M $8.7M $40.4M 42%

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 (1)

Revenue Diversifier

growth
#195 of 661 • Top 29.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.58%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.59%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#150 of 936 • Bottom 15.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#564 of 1256 • Bottom 44.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.80%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | 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 (2 metrics)

81
Net Interest Margin
profitability
Value: 5.49%
Peer Median: 3.99%
#81 of 2643 Top 3.0% in $100M-$1B
188
Non-Interest Income / Assets
revenue_mix
Value: 0.58%
Peer Median: 0.57%
#188 of 2643 Top 7.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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