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Farmers State Bank

$100M-$1B Specialty: Other GA FDIC cert 879

Lincolnton, GA

3 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA
View $100M-$1B leaderboard (GA) →

Farmers State Bank has 5 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

  • + Deposit Franchise: Top 7.7% in tier
  • + Revenue Diversifier: Top 32.7% in tier
  • + Return on Assets 1.20% above tier average
  • + Efficiency Ratio 8.39% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 5.9% in tier
  • - Liquidity Overhang: Bottom 27.6% in tier
Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (GA) National Avg Tier Percentile
Total Assets ? $188.6M
-0.2% YoY +2.6% QoQ
-$197.4M $386.1M
+0.5% YoY
$814.8M
+10.0% YoY
$6.2B
+9.1% YoY
24%
Total Loans ? $83.5M
+3.4% YoY -1.6% QoQ
-$172.2M $255.7M
+1.1% YoY
$550.6M
+10.4% YoY
$3.2B
+10.8% YoY
Bottom 12.7% in tier
Total Deposits ? $162.9M
-1.7% YoY +2.4% QoQ
-$165.1M $328.0M
+0.1% YoY
$689.3M
+8.9% YoY
$4.8B
+8.2% YoY
24%
Return on Assets ? 2.47%
-8.9% YoY -14.6% QoQ
+1.20% 1.27%
+12.9% YoY
1.50%
+0.6% YoY
1.23%
+13.4% YoY
Top 4.9% in tier
Net Interest Margin ? 5.33%
-1.0% YoY -4.4% QoQ
+1.40% 3.93%
+6.0% YoY
4.36%
+2.3% YoY
3.89%
+5.7% YoY
Top 4.0% in tier
Efficiency Ratio ? 56.89%
+8.7% YoY +11.8% QoQ
-8.39% 65.29%
-4.5% YoY
62.13%
-1.5% YoY
66.95%
-4.1% YoY
68%
Delinquency Rate ? 0.13%
-12.2% YoY -50.1% QoQ
-0.76% 0.89%
+18.8% YoY
0.81%
+32.9% YoY
0.95%
+18.8% YoY
71%
Loan-to-Deposit Ratio ? 51.26%
+5.3% YoY -3.9% QoQ
-25.38% 76.64%
+0.8% YoY
71.10%
+2.8% YoY
76.70%
+0.9% YoY
Top 10.6% in tier
Non-Interest-Bearing Deposit Share ? 49.29%
-11.9% YoY +2.1% QoQ
+27.27% 22.02%
-1.0% YoY
26.76%
-3.7% YoY
22.01%
-1.2% YoY
Top 1.7% in tier
Nonperforming Asset Ratio ? 0.06%
-9.0% YoY -52.2% QoQ
-0.58% 0.64%
+19.7% YoY
0.56%
+24.4% YoY
0.67%
+19.3% YoY
76%
Tier 1 Capital Ratio ? 33.82%
+3.1% YoY +6.1% QoQ
+17.99% 15.83%
+1.5% YoY
17.30%
-0.8% YoY
17.06%
+0.8% YoY
Top 2.6% in tier
Non-Interest Income / Assets ? 0.16%
+1.2% YoY -75.3% QoQ
-0.12% 0.28%
+9.3% YoY
0.21%
+3.2% YoY
0.32%
+4.1% YoY
77%

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 (2)

Deposit Franchise

growth
#22 of 272 • Top 7.7% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 49.29%
(Tier: 22.02%, National: 22.01%)
better than tier avg
Net Interest Margin: 5.33%
(Tier: 3.93%, National: 3.89%)
better than tier avg
272 of 272 Community banks match · 369 nationally
→ Stable -14 banks QoQ

Revenue Diversifier

growth
#219 of 666 • Top 32.7% 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: 0.16%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 2.47%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Concerns (2)

Deposit Outflow

decline
#31 of 506 • Bottom 5.9% in tier

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

506 of 506 Community banks match · 656 nationally
→ Stable -8 banks QoQ | QoQ rank declining

Liquidity Overhang

risk
#205 of 739 • Bottom 27.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 33.82%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 51.26%
(Tier: 76.64%, National: 76.70%)
better than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

45
Non-Interest-Bearing Deposit Share
funding
Value: 49.29%
Peer Median: 22.02%
#45 of 2664 Top 1.7% in $100M-$1B
71
Tier 1 Capital Ratio
capital
Value: 33.82%
Peer Median: 15.83%
#71 of 2664 Top 2.6% in $100M-$1B
108
Net Interest Margin
profitability
Value: 5.33%
Peer Median: 3.93%
#108 of 2664 Top 4.0% in $100M-$1B
131
Return on Assets
profitability
Value: 2.47%
Peer Median: 1.27%
#131 of 2664 Top 4.9% in $100M-$1B
284
Loan-to-Deposit Ratio
liquidity
Value: 51.26%
Peer Median: 76.64%
#284 of 2664 Top 10.6% in $100M-$1B
602
Non-Interest Income / Assets
revenue_mix
Value: 0.16%
Peer Median: 0.28%
#602 of 2664 Top 22.6% in $100M-$1B
628
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.64%
#628 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (3 metrics)

2326
Total Loans
size
Value: $83.51M
Peer Median: $255.72M
#2326 of 2664 Bottom 12.7% in $100M-$1B
2029
Total Assets
size
Value: $188.64M
Peer Median: $386.08M
#2029 of 2664 Bottom 23.9% in $100M-$1B
2013
Total Deposits
size
Value: $162.92M
Peer Median: $327.97M
#2013 of 2664 Bottom 24.5% in $100M-$1B
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