| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.0% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +3.8% | +4.0% | -0.2 pts |
| Loan growth (YoY) | +8.4% | +5.6% | +2.8 pts |
| ROA | 1.41% | 1.24% | +0.2 pts |
| ROE | 5.9% | 11.9% | -5.9 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $221.9M | $141.0M | $127.8M | $53.0M | $1.6M | 1.41% | 3.66% | 0.22% |
| Q1 2026 | $223.5M | $141.0M | $129.7M | $52.8M | $784K | 1.42% | 3.65% | 0.29% |
| Q4 2025 | $219.7M | $142.6M | $125.1M | $52.4M | $2.9M | 1.36% | 3.45% | 0.33% |
| Q3 2025 | $203.1M | $135.4M | $110.3M | $51.2M | $1.8M | 1.17% | 3.42% | 0.26% |
| Q2 2025 | $209.3M | $135.8M | $118.0M | $49.8M | $1.1M | 1.08% | 3.42% | 0.18% |
| Q1 2025 | $208.0M | $141.2M | $118.2M | $49.1M | $502K | 0.96% | 3.35% | 0.30% |
| Q4 2024 | $209.8M | $142.3M | $120.7M | $48.7M | $2.4M | 1.19% | 3.11% | 0.26% |
| Q3 2024 | $199.9M | $137.8M | $108.0M | $49.7M | $1.4M | 0.93% | 3.06% | 0.26% |
Loan mix (Q2 2026): real estate $69.7M · commercial $3.8M · consumer $19.0M · securities $81.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers and Drovers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.24% | 61th | |
Return on equity Annualized net income ÷ equity or net worth | 5.9% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.66% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.9% | 62.9% | 20th |
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 | Farmers and Drovers Bank | 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 | Farmers and Drovers Bank | 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 | Farmers and Drovers Bank | 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 | Farmers and Drovers Bank | 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.