| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.4% | +3.1 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | +6.2% | +5.6% | +0.6 pts |
| ROA | 1.63% | 1.24% | +0.4 pts |
| ROE | 12.4% | 11.9% | +0.6 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.2M | $166.3M | $99.0M | $25.4M | $1.5M | 1.63% | 4.88% | 0.16% |
| Q1 2026 | $190.7M | $164.2M | $94.9M | $24.8M | $686K | 1.46% | 4.83% | 0.10% |
| Q4 2025 | $184.7M | $158.9M | $97.3M | $24.3M | $2.7M | 1.47% | 4.97% | 0.10% |
| Q3 2025 | $183.9M | $158.0M | $94.7M | $24.7M | $2.1M | 1.58% | 4.94% | 0.08% |
| Q2 2025 | $179.8M | $154.9M | $93.3M | $24.0M | $1.4M | 1.56% | 4.90% | 0.08% |
| Q1 2025 | $179.9M | $155.3M | $91.4M | $23.4M | $675K | 1.52% | 4.82% | 0.18% |
| Q4 2024 | $176.4M | $152.5M | $89.6M | $22.7M | $2.1M | 1.21% | 4.94% | 0.15% |
| Q3 2024 | $176.8M | $152.7M | $87.8M | $22.9M | $1.7M | 1.28% | 4.93% | 0.48% |
Loan mix (Q2 2026): real estate $57.1M · commercial $30.0M · consumer $14.1M · securities $24.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers and Miners Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.24% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.4% | 11.9% | 53th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 62.9% | 45th |
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 Miners 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 Miners 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 Miners 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 Miners 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.