Now part of Hawthorn Bank (Jefferson City, MO). Figures below are from its last filing. All recent changes →
| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.6 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 12.8% | 11.9% | +0.9 pts |
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $385.4M | $343.6M | $301.6M | $31.9M | $2.0M | 1.03% | 3.95% | 0.41% |
| Q1 2026 | $383.6M | $342.3M | $292.3M | $31.4M | $1.0M | 1.07% | 3.88% | 0.39% |
| Q4 2025 | $392.9M | $352.2M | $294.0M | $30.9M | $3.5M | 0.91% | 3.79% | 0.40% |
| Q3 2025 | $376.7M | $328.2M | $294.7M | $30.4M | $2.7M | 0.96% | 3.78% | 0.39% |
| Q2 2025 | $378.1M | $336.4M | $292.9M | $28.7M | $1.7M | 0.92% | 3.72% | 0.37% |
| Q1 2025 | $380.9M | $339.6M | $291.6M | $28.4M | $835K | 0.90% | 3.76% | 0.23% |
| Q4 2024 | $362.8M | $328.8M | $290.0M | $27.0M | $3.0M | 0.81% | 3.54% | 0.26% |
| Q3 2024 | $367.2M | $325.5M | $290.1M | $28.8M | $2.4M | 0.84% | 3.51% | 0.26% |
Loan mix (Q2 2026): real estate $277.8M · commercial $7.2M · consumer $9.7M · securities $54.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | — | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 64.9% |
| 62.9% |
| — |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Farmers State Bank is in an open deal as the target: Hawthorn Bancshares, Inc. to acquire Farmers State Bank (approved). Vendor decisions typically freeze until closing; the acquirer inherits the contracts.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 10, 2026 | Target | Hawthorn Bancshares, Inc. | Merger | Approved | Federal Reserve |
9 branches in 6 counties across 1 state (+0 vs 2025) · $343.6M branch deposits. Biggest market: Clinton, MO, ranked 1st with 32.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Clinton, MO | 2 | $170.8M | 32.47% | 1st |
| Atchison, MO | 2 | $76.9M | 34.10% | 2nd |
| Grundy, MO | 1 | $31.1M | 9.22% | 5th |
| 3 more counties with Pro → | ||||
Missouri: 118th with 0.11% · Kansas City metro: 59th, 0.17% · St. Joseph metro: 22nd, 0.83% ·
Branch count: 2022 8 · 2023 8 · 2024 9 · 2025 9 · 2026 9
Ranked #2,610 of 4,653 mortgage lenders in 2025.
Approval rates, pricing, purchase vs. refinance, HELOCs, government lending, how much it sells vs. keeps, top states and the year-by-year trend are part of CharterBench Pro.
Home Mortgage Disclosure Act data (CFPB). Includes mortgage subsidiaries that the Philadelphia Fed’s HMDA Lender File ties to this institution. Small lenders below the HMDA reporting thresholds do not file. All mortgage lenders →