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The Farmers Bank

$100M-$1B Specialty: Commercial GA FDIC cert 5709

Greensboro, GA

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 96 in GA.
  • Deposits -16.1% year over year ($132.3M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 1.04%.
  • Efficiency ratio 60.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.78% 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 96 in GA
View $100M-$1B leaderboard (GA) →

The Farmers Bank has 2 strengths but faces 5 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

  • + Credit Quality Leader: Top 2.6% in tier
  • + Efficiency Ratio 3.69% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 10.1% in tier
  • - Deposit Outflow: Bottom 31.2% in tier
  • - Non-Interest Income / Assets 0.50% below tier average
  • - ROA 0.28% below tier average
  • - Net Interest Margin 0.18% below tier average
Get updates when The Farmers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $148.3M
-13.3% YoY -16.4% QoQ
-$238.3M $386.6M
+1.2% YoY
$843.5M
+13.2% YoY
$6.3B
+7.7% YoY
Bottom 13.6% in tier
Total Loans ? $95.0M
-2.9% YoY -1.8% QoQ
-$163.4M $258.3M
+1.7% YoY
$581.6M
+14.3% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $132.3M
-16.1% YoY -18.3% QoQ
-$194.4M $326.7M
+0.7% YoY
$711.6M
+12.3% YoY
$4.9B
+7.3% YoY
16%
Return on Assets ? 1.04%
+17.0% YoY +9.3% QoQ
-0.28% 1.32%
+10.8% YoY
1.55%
+0.3% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 3.81%
+26.9% YoY +8.4% QoQ
-0.18% 3.99%
+5.0% YoY
4.42%
+1.2% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 60.79%
+7.4% YoY -0.9% QoQ
-3.69% 64.48%
-3.2% YoY
63.07%
+1.6% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.05%
-95.3% QoQ
-0.86% 0.92%
+15.7% YoY
0.77%
+14.9% YoY
0.98%
+16.3% YoY
78%
Loan-to-Deposit Ratio ? 71.78%
+15.8% YoY +20.2% QoQ
-6.17% 77.95%
+1.0% YoY
78.13%
+10.7% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 9.90%
+13.6% YoY +12.1% QoQ
-12.13% 22.03%
-0.6% YoY
26.00%
-3.3% YoY
21.98%
-0.6% YoY
Bottom 10.4% in tier
Nonperforming Asset Ratio ? 0.04%
-94.5% QoQ
-0.63% 0.67%
+16.4% YoY
0.54%
+11.1% YoY
0.69%
+15.8% YoY
81%
Tier 1 Capital Ratio ? 18.25%
+15.3% YoY +8.4% QoQ
+2.34% 15.91%
+1.4% YoY
19.50%
+7.6% YoY
17.09%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.06%
+8.5% YoY +101.6% QoQ
-0.50% 0.57%
+7.6% YoY
0.44%
+3.6% YoY
0.66%
+5.2% YoY
Bottom 8.6% 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 (GA) National Avg Tier Percentile
Noninterest-Bearing 9.9%
+1.2pp YoY
+1.1pp QoQ
 -12.2pp 22.1% 26.2% 22.2% 10%
Brokered Deposits 26.6%
+2.9pp YoY
+4.9pp QoQ
 +18.8pp 7.9% 7.5% 8.5% 96%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
C&I 4.6%
+2.1pp YoY
+1.6pp QoQ
 -6.9pp 11.6% 9.7% 12.5% 18%
CRE 54.3%
-4.8pp YoY
-3.9pp QoQ
 +14.7pp 39.5% 48.9% 41.4% 77%
1-4 Family 37.5%
+4.9pp YoY
+2.7pp QoQ
 +4.9pp 32.6% 31.7% 31.3% 66%
Consumer 2.9%
+0.2pp YoY
+0.2pp QoQ
 -1.2pp 4.1% 4.8% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
CET1 Ratio 18.2%
+2.4pp YoY
+1.4pp QoQ
 -0.6pp 18.8% 20.9% 19.7% 70%
Leverage Ratio 11.2%
+1.5pp YoY
+1.4pp QoQ
 -1.0pp 12.2% 14.0% 12.6% 54%
Total Capital Ratio 19.5%
+2.6pp YoY
+1.4pp QoQ
 -0.4pp 19.9% 22.1% 20.8% 71%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Full-Time Employees 16
+2 (+14.3%) YoY
0 QoQ
 -43 58 98 482 5%
Assets per Employee ($) $9.3M
-24.1% YoY
-16.4% QoQ
 +$1.7M $7.5M $7.5M $8.8M 81%
Branch Count 1
0 YoY
0 QoQ
 -4 4 6 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.4% 17%
Nonaccrual 0.0%
-1.1pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 10%
Allowance Coverage 25.21x
-97.7% YoY
+2159.7% QoQ
 +1.06x 24.15x 38.10x 20.23x 90%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
ROE 11.9%
-0.7pp YoY
+0.2pp QoQ
 -0.3pp 12.2% 13.6% 11.6% 49%
Cost of Funds (YTD) 2.0%
-0.6pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.6% 1.7% 68%
Net Income ($, YTD) $882,000
+13.8% YoY
— QoQ
 -$1.7M $2.6M $6.6M $40.4M 23%

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)

Credit Quality Leader

growth
#18 of 659 • Top 2.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (2)

Credit Quality Pressure

risk
#128 of 1256 • Bottom 10.1% in tier

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

Why this signature
Delinquency Rate: 0.05%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#168 of 535 • Bottom 31.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

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)

483
Tier 1 Capital Ratio
capital
Value: 18.25%
Peer Median: 15.91%
#483 of 2643 Top 18.2% in $100M-$1B
505
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#505 of 2643 Top 19.1% in $100M-$1B
568
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#568 of 2633 Top 21.5% in $100M-$1B

Top Weaknesses (5 metrics)

2418
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2418 of 2643 Bottom 8.6% in $100M-$1B
2370
Non-Interest-Bearing Deposit Share
funding
Value: 9.90%
Peer Median: 22.03%
#2370 of 2643 Bottom 10.4% in $100M-$1B
2285
Total Assets
size
Value: $148.27M
Peer Median: $386.57M
#2285 of 2643 Bottom 13.6% in $100M-$1B
2220
Total Deposits
size
Value: $132.30M
Peer Median: $326.73M
#2220 of 2643 Bottom 16.0% in $100M-$1B
2199
Total Loans
size
Value: $94.96M
Peer Median: $258.35M
#2199 of 2643 Bottom 16.8% in $100M-$1B
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