TellerScore

The Farmers Bank is a state-chartered bank headquartered in Carnegie, Oklahoma, in business for about 121 years. At the end of Q2 2026 it reported $139.6M in total assets and $121.1M in deposits, with 2 offices.

The Farmers Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 92nd. Problem-loan coverage contributes the most (95/100, 2.5%); funding & liquidity contributes the least (41/100, 100% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Tier 1 leverage ratio: 11.58%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.32%
Earnings56/100
Return on assets (annualized): 0.90%
Funding & liquidity41/100
Loans ÷ deposits and uninsured-deposit share: 99.8% · 32.1% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.46%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 5 points (64 → 69), mostly because the capital cushion component improved by 13 points.

TellerScore
636770Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202463
Q4 202464
Q1 202564
Q2 202564
Q3 202566
Q4 202569
Q1 202670
Q2 202669
Tier 1 leverage ratio
5.00%8.74%12.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.12%
Q3 202412.07%
Q4 202411.78%
Q1 202510.85%
Q2 202510.28%
Q3 202510.55%
Q4 202512.48%
Q1 202612.11%
Q2 202611.58%
Noncurrent loans
0.32%0.50%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.60%
Q3 20240.47%
Q4 20240.42%
Q1 20250.38%
Q2 20250.35%
Q3 20250.34%
Q4 20250.68%
Q1 20260.43%
Q2 20260.32%
Return on assets
0.70%0.87%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.90%
Q3 20240.74%
Q4 20240.70%
Q1 20250.77%
Q2 20250.88%
Q3 20250.99%
Q4 20251.04%
Q1 20260.94%
Q2 20260.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$139.6M11.58%0.32%0.90%99.8%
Q1 202670$123.0M12.11%0.43%0.94%102.0%
Q4 202569$115.4M12.48%0.68%1.04%98.7%
Q3 202566$108.4M10.55%0.34%0.99%98.5%
Q2 202564$103.5M10.28%0.35%0.88%98.4%
Q1 202564$103.7M10.85%0.38%0.77%92.5%
Q4 202464$91.8M11.78%0.42%0.70%108.4%
Q3 202463$91.0M12.07%0.47%0.74%102.7%
Q2 202464$84.0M12.12%0.60%0.90%93.0%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.58%
59th
Total risk-based capital0.00%
24th
Problem loans0.32%
56th
Net charge-offs0.03%
32nd
Return on assets0.90%
28th
Net interest margin4.37%
73rd
Efficiency ratio67.9%
35th
Loans to deposits99.8%
10th
Uninsured deposits32.1%
23rd
Loan-loss reserves1.09%
38th
Texas ratio2.5%
53rd

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Anadarko, OK74 out of 100, Strong$139.6M11.2%0.34%vs
Security First National Bank of HugoBank Hugo, OK48 out of 100, Below average$137.7M10.4%4.15%vs
The First Bank of OkarcheBank Okarche, OK89 out of 100, Very strong$137.5M16.1%1.04%vs
ACB BankBank Cherokee, OK64 out of 100, Moderate$135.5M12.2%1.77%vs
SSB BankBank Spiro, OK80 out of 100, Strong$129.9M17.0%0.09%vs
SNB Bank, National AssociationBank Shattuck, OK36 out of 100, Low$129.4M11.8%6.18%vs

Deposit insurance

Is my money safe at The Farmers Bank?

Yes. The Farmers Bank is an FDIC-insured institution (FDIC certificate #4054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.1% of deposits ($38.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.58%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

The Farmers Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
The Farmers Bank
Former names
The Farmers National Bank of Carnegie
Type
State-chartered bank
FDIC certificate #
4054
RSSD ID
998657
Primary regulator
FDIC
Established
October 27, 1905
Headquarters
31 West Main Street, Carnegie, OK 73015
Employees
21

Quick answers

The Farmers Bank: common questions

Is The Farmers Bank FDIC insured?

Yes. The Farmers Bank is an FDIC-insured institution (FDIC certificate #4054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Farmers Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has The Farmers Bank ever failed?

There is no failure record for FDIC certificate #4054 in the FDIC failed bank list.

How many branches does The Farmers Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Carnegie

InstitutionScoreAssetsCapitalProblem loansCompare
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs
Shamrock Bank, N.A.Bank Coalgate, OK79 out of 100, Strong$501.5M10.8%0.29%vs
Bank of HydroBank Hydro, OK76 out of 100, Strong$180.8M11.6%0.64%vs
First State BankBank Anadarko, OK74 out of 100, Strong$139.6M11.2%0.34%vs
Cooperative EmployeesCredit union Anadarko, OK73 out of 100, Strong$10.0M10.4%0.00%vs
Bank of Western OklahomaBank Elk City, OK73 out of 100, Strong$469.7M8.1%0.11%vs