Farmers State Bank: how it compares with its peers
Against 311 U.S. banks with half to twice its assets, Farmers State Bank's strongest measure in Q2 2026 is net interest margin (4.67% vs. a 3.87% peer median). Its weakest relative measure is efficiency ratio (70.34% vs. 71.88%).
| Measure | Farmers State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 0.97% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.67% | 3.87% | Top third Ahead of 82% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 70.34% | 71.88% | Middle third Ahead of 53% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $5.7M | Middle third Ahead of 53% of peers |
| Loans to deposits Net loans and leases over total deposits. | 52.33% | 63.00% | Context |
What it means for lending operations
Its efficiency ratio of 70.34% is better than the 71.88% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Marion National Bank Marion, KS · $35M
- Citizens State Bank Carleton, NE · $36M
- The First National Bank of Fairfax Fairfax, MN · $36M
- Mutual Savings and Loan Association Metairie, LA · $36M
- The Farmers and Merchants State Bank Scotland, SD · $36M
- The First State Bank of Dongola Dongola, IL · $35M
Questions about Farmers State Bank
How big is Farmers State Bank?
Farmers State Bank, established in 1915, is headquartered in Pine Bluffs, WY. It reported $35M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Farmers State Bank's return on assets?
1.10% annualized in Q2 2026, against a 0.97% median for 311 U.S. banks with half to twice its assets, ahead of 56% of them.
What is Farmers State Bank's efficiency ratio?
70.34% in Q2 2026: it spent about 70 cents in noninterest expense for each dollar of revenue. The peer median is 71.88%, and lower is better.
Is Farmers State Bank growing its loans?
Net loans grew 5.2% over the year to Q2 2026, while deposits grew 9.1%.
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 U.S. 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 Wyoming bank ranked.