| Metric | Farm Bureau Bank FSB | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +5.5% | -9.0 pts |
| Deposit growth (YoY) | -4.5% | +5.1% | -9.6 pts |
| Loan growth (YoY) | -9.6% | +5.9% | -15.5 pts |
| ROA | 0.38% | 1.26% | -0.9 pts |
| ROE | 4.0% | 12.2% | -8.2 pts |
ROA ranks in the 5th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.06B | $906.5M | $704.5M | $103.1M | $2.0M | 0.38% | 3.96% | 0.53% |
| Q1 2026 | $1.08B | $930.7M | $739.1M | $101.7M | $-94K | -0.03% | 3.95% | 0.48% |
| Q4 2025 | $1.09B | $939.4M | $767.9M | $102.8M | $583K | 0.05% | 3.94% | 0.49% |
| Q3 2025 | $1.10B | $942.7M | $763.2M | $103.7M | $1.8M | 0.22% | 3.92% | 0.41% |
| Q2 2025 | $1.10B | $949.4M | $779.2M | $100.7M | $1.0M | 0.18% | 3.86% | 0.41% |
| Q1 2025 | $1.12B | $964.9M | $786.5M | $102.1M | $970K | 0.34% | 3.73% | 0.32% |
| Q4 2024 | $1.19B | $1.04B | $799.2M | $98.7M | $518K | 0.04% | 3.89% | 0.35% |
| Q3 2024 | $1.21B | $1.05B | $785.6M | $103.1M | $1.1M | 0.12% | 3.94% | 0.33% |
Loan mix (Q2 2026): real estate $226.3M · commercial $81.5M · consumer $373.6M · securities $180.6M
| Ratio | Farm Bureau Bank FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.38% | 1.26% | 5th | |
Return on equity Annualized net income ÷ equity or net worth | 4.0% | 12.2% | 5th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.96% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.8% | 59.0% | 94th |
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 | Farm Bureau Bank FSB | 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 | Farm Bureau Bank FSB | 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 | Farm Bureau Bank FSB | 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 | Farm Bureau Bank FSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.