Farmers State Bank
Total assets
$1.31B
▲ +1.2% YoY
Deposits
$1.16B
▼ -0.1% YoY
Loans
$902.1M
▲ +8.7% YoY
Offices
12
FS BCORP
ROA (annualized)
1.85%
peers 1.26%
ROE (annualized)
18.63%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.1% | +5.5% | -4.3 pts |
| Deposit growth (YoY) | -0.1% | +5.1% | -5.1 pts |
| Loan growth (YoY) | +8.7% | +5.9% | +2.8 pts |
| ROA | 1.85% | 1.26% | +0.6 pts |
| ROE | 18.6% | 12.2% | +6.5 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
Profile
- Established
- 1934
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FS BCORP
- Specialization
- All Other Over 1 Billion
- Address
- 220 S Detroit St, Lagrange, IN, 46761
- County
- Lagrange
- Offices
- 12
- FDIC cert #
- 14578
- RSSD ID
- 113441
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.31B | $1.16B | $902.1M | $129.7M | $11.9M | 1.85% | 4.04% | 0.01% |
| Q1 2026 | $1.26B | $1.11B | $886.5M | $126.5M | $5.6M | 1.77% | 3.94% | 0.40% |
| Q4 2025 | $1.28B | $1.13B | $878.7M | $125.5M | $20.6M | 1.63% | 3.72% | 0.40% |
| Q3 2025 | $1.27B | $1.12B | $844.4M | $122.6M | $15.2M | 1.61% | 3.64% | 0.06% |
| Q2 2025 | $1.30B | $1.16B | $829.9M | $115.6M | $9.8M | 1.56% | 3.56% | 0.05% |
| Q1 2025 | $1.24B | $1.10B | $830.6M | $112.6M | $4.7M | 1.51% | 3.48% | 0.05% |
| Q4 2024 | $1.23B | $1.10B | $821.9M | $109.3M | $17.4M | 1.46% | 3.47% | 0.10% |
| Q3 2024 | $1.20B | $1.06B | $798.3M | $110.0M | $12.6M | 1.42% | 3.44% | 0.01% |
Loan mix (Q2 2026): real estate $827.0M · commercial $47.8M · consumer $17.4M · securities $260.6M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.26% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 18.6% | 12.2% | 87th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.04% | 3.70% | 71th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.6% | 59.0% | 18th | |
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% |
Balance sheet
| 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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