Farmers State Bank: how it compares with its peers
Against 54 GA banks with half to twice its assets, Farmers State Bank's strongest measure in Q2 2026 is return on assets (2.67% vs. a 1.50% peer median). Its weakest relative measure is assets per employee ($5.6M vs. $7.1M).
| Measure | Farmers State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.67% | 1.50% | Top third Ahead of 91% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.39% | 4.41% | Top third Ahead of 87% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 53.64% | 60.25% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.6M | $7.1M | Bottom third Ahead of 26% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.71% | 75.34% | Context |
What it means for lending operations
Its efficiency ratio of 53.64% is better than the 60.25% 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
- Bank of Camilla Camilla, GA · $188M
- The Geo. D. Warthen Bank Sandersville, GA · $190M
- Peoples Bank Lyons, GA · $192M
- Magnolia State Bank Eastman, GA · $199M
- The Citizens Bank of Cochran Cochran, GA · $201M
- Farmers and Merchants Bank Sylvania, GA · $171M
Questions about Farmers State Bank
How big is Farmers State Bank?
Farmers State Bank, established in 1911, is headquartered in Lincolnton, GA. It reported $186M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Farmers State Bank's return on assets?
2.67% annualized in Q2 2026, against a 1.50% median for 54 GA banks with half to twice its assets, ahead of 91% of them.
What is Farmers State Bank's efficiency ratio?
53.64% in Q2 2026: it spent about 54 cents in noninterest expense for each dollar of revenue. The peer median is 60.25%, and lower is better.
Is Farmers State Bank growing its loans?
Net loans grew 4.9% over the year to Q2 2026, while deposits shrank 0.3%.
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 GA 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 Georgia bank ranked.