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The Farmers Bank
Carnegie, OK · FDIC Certificate #4054 · Chartered 10/2
Total assets
$139.62M
Total deposits
$121.14M
Total equity
$14.54M
Net loans
$120.92M
Branches (offices)
2
Net income (YTD)
$568.00K
Rank: #3,382 of 4,213 U.S. banks by assets · #113 of 168 in Oklahoma. Assets changed 34.9% and deposits 31.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.90% |
| Return on equity | 7.97% |
| Net interest margin (YTD) | 4.37% |
| Equity to assets | 10.41% |
| Tier 1 leverage ratio | 11.58% |
| Uninsured deposits (share of deposits) | 32.1% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 99.8% |
| Real estate loans (share of loans) | 72.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $87.70M | 72.5% | |
| Commercial & industrial | $22.76M | 18.8% | |
| Consumer / individual | $3.20M | 2.6% | |
| Construction & development | $9.87M | 8.2% | |
| Agricultural | $8.51M | 7.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $77.62M | $69.12M | $343.00K | $8.38M |
| Jun 2023 | $77.78M | $68.71M | $220.00K | $8.88M |
| Jun 2024 | $84.03M | $73.66M | $370.00K | $9.61M |
| Jun 2025 | $103.52M | $92.07M | $439.00K | $10.46M |
| Jun 2026 | $139.62M | $121.14M | $568.00K | $14.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $121.14M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $121.14M.
Similar-sized banks
Farmers And Merchants State Bank Of Springfield ($139.77M) · First State Bank ($139.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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