The Farmers Bank: how it compares with its peers
Against 56 OK banks with half to twice its assets, The Farmers Bank's strongest measure in Q2 2026 is assets per employee ($6.6M vs. a $6.0M peer median). Its weakest relative measure is return on assets (0.90% vs. 1.47%).
| Measure | The Farmers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.90% | 1.47% | Bottom third Ahead of 20% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.37% | 4.32% | Middle third Ahead of 50% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 67.87% | 60.39% | Bottom third Ahead of 32% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.6M | $6.0M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 99.82% | 73.10% | Context |
What it means for lending operations
Its efficiency ratio of 67.87% is above the 60.39% 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
- First State Bank Anadarko, OK · $140M
- Security First National Bank of Hugo Hugo, OK · $138M
- The First Bank of Okarche Okarche, OK · $137M
- ACB Bank Cherokee, OK · $135M
- SSB Bank Spiro, OK · $130M
- SNB Bank, National Association Shattuck, OK · $129M
Questions about The Farmers Bank
How big is The Farmers Bank?
The Farmers Bank, established in 1905, is headquartered in Carnegie, OK. It reported $140M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Farmers Bank's return on assets?
0.90% annualized in Q2 2026, against a 1.47% median for 56 OK banks with half to twice its assets, ahead of 20% of them.
What is The Farmers Bank's efficiency ratio?
67.87% in Q2 2026: it spent about 68 cents in noninterest expense for each dollar of revenue. The peer median is 60.39%, and lower is better.
Is The Farmers Bank growing its loans?
Net loans grew 33.5% over the year to Q2 2026, while deposits grew 31.6%.
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 OK 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 Oklahoma bank ranked.