Farmers Bank: how it compares with its peers
Against 34 AR banks with half to twice its assets, Farmers Bank's strongest measure in Q2 2026 is net interest margin (4.10% vs. a 4.14% peer median). Its weakest relative measure is assets per employee ($4.9M vs. $6.2M).
| Measure | Farmers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.16% | 1.22% | Middle third Ahead of 38% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.10% | 4.14% | Middle third Ahead of 47% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.70% | 64.37% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.9M | $6.2M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 66.00% | 81.85% | Context |
What it means for lending operations
Its efficiency ratio of 70.70% is above the 64.37% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- United Bank Springdale, AR · $296M
- First National Bank Of Commerce Walnut Ridge, AR · $297M
- Merchants and Farmers Bank Dumas, AR · $298M
- Horatio State Bank Horatio, AR · $312M
- PEOPLES BANK Sheridan, AR · $314M
- FBT Bank & Mortgage Fordyce, AR · $264M
Questions about Farmers Bank
How big is Farmers Bank?
Farmers Bank, established in 1907, is headquartered in Greenwood, AR. It reported $289M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Farmers Bank's return on assets?
1.16% annualized in Q2 2026, against a 1.22% median for 34 AR banks with half to twice its assets, ahead of 38% of them.
What is Farmers Bank's efficiency ratio?
70.70% in Q2 2026: it spent about 71 cents in noninterest expense for each dollar of revenue. The peer median is 64.37%, and lower is better.
Is Farmers Bank growing its loans?
Net loans grew 5.1% over the year to Q2 2026, while deposits shrank 1.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are AR banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Arkansas bank ranked.