| Metric | Bank of Farmington | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.2 pts |
| Deposit growth (YoY) | +4.4% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.7 pts |
| ROA | 0.44% | 1.24% | -0.8 pts |
| ROE | 4.6% | 11.9% | -7.3 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $240.1M | $211.7M | $163.9M | $23.0M | $524K | 0.44% | 3.50% | 1.18% |
| Q1 2026 | $233.8M | $208.2M | $162.4M | $22.8M | $233K | 0.40% | 3.44% | 2.50% |
| Q4 2025 | $234.8M | $206.3M | $166.0M | $22.7M | $1.5M | 0.66% | 3.38% | 2.34% |
| Q3 2025 | $236.4M | $209.8M | $170.0M | $22.4M | $1.3M | 0.74% | 3.38% | 1.85% |
| Q2 2025 | $227.5M | $202.7M | $160.9M | $21.1M | $690K | 0.60% | 3.29% | 1.56% |
| Q1 2025 | $232.9M | $204.9M | $160.5M | $21.0M | $291K | 0.51% | 3.14% | 1.38% |
| Q4 2024 | $227.2M | $203.1M | $166.4M | $20.7M | $988K | 0.43% | 2.94% | 0.27% |
| Q3 2024 | $229.7M | $203.1M | $167.2M | $21.4M | $700K | 0.41% | 2.89% | 0.71% |
Loan mix (Q2 2026): real estate $122.1M · commercial $24.9M · consumer $5.1M · securities $32.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Farmington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 4.6% | 11.9% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.50% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.6% | 62.9% | 88th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Farmington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Farmington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Farmington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Farmington | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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