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BDI
FS

Farmers State Bank

Pine Bluffs, WyomingFDIC Cert #526

STATEEstablished 19151 branch

Holding company: COMMERCIAL BCORPRegulator: FED

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Chart mode
Time range
Loan categories
Latest reported loan balances by category
CategoryBalance
Owner CRE$2.06M
Investor CRE$2.22M
Multifamily$0
Construction$1.51M
1–4 family$5.05M
C&I$1.8M
Agriculture$1.63M
Other$862K

Loan book

Reported balances and balance-sheet intensity.

Gross loans
$15.1M
−7.4%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSGR
Net loans
$14.9M
−7.5%y/y
Percentile by value53rd percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
Loans YoY
−7.46%
−382.4%y/y
Percentile by value15th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET
L/D
47.9%
−18.5%y/y
Percentile by value40th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + DEP
Loans/assets
42.0%
−18.8%y/y
Percentile by value46th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNLSNET + ASSET
RE loans %
78.99%
+0.8%y/y
Percentile by value85th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital
91%
+21.4%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC
Construction/capital
37%
+375.7%y/y
Percentile by value95th percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC
Loan HHI
1,820points
−2.6%y/y
Peer standing87th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD
Owner CRE %
13.58%
−17.7%y/y
Percentile by value83rd percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROW + LNLSGR
Investor CRE %
14.67%
−1.9%y/y
Percentile by value92nd percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNRENROT + LNLSGR
C&I %
11.91%
−4.1%y/y
Percentile by value51st percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNCI + LNLSGR