| Metric | Farmers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.3% | +4.9% | +3.4 pts |
| Deposit growth (YoY) | +9.2% | +4.3% | +4.9 pts |
| Loan growth (YoY) | +11.4% | +5.3% | +6.1 pts |
| ROA | 1.63% | 1.28% | +0.4 pts |
| ROE | 10.8% | 12.4% | -1.7 pts |
ROA ranks in the 71st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $678.4M | $563.4M | $427.9M | $104.4M | $5.5M | 1.63% | 4.21% | 0.38% |
| Q1 2026 | $664.8M | $552.4M | $393.9M | $101.6M | $2.7M | 1.64% | 4.04% | 0.42% |
| Q4 2025 | $667.6M | $559.3M | $395.5M | $98.9M | $9.4M | 1.49% | 3.89% | 0.48% |
| Q3 2025 | $624.9M | $519.1M | $400.5M | $95.3M | $6.8M | 1.46% | 3.83% | 0.59% |
| Q2 2025 | $626.3M | $515.9M | $384.0M | $91.7M | $4.5M | 1.43% | 3.73% | 0.19% |
| Q1 2025 | $624.4M | $525.1M | $358.2M | $88.8M | $2.1M | 1.36% | 3.69% | 0.06% |
| Q4 2024 | $621.4M | $527.2M | $356.4M | $84.7M | $5.5M | 0.86% | 3.24% | 0.22% |
| Q3 2024 | $649.4M | $501.5M | $358.3M | $81.8M | $1.7M | 0.35% | 2.79% | 1.61% |
Loan mix (Q2 2026): real estate $227.7M · commercial $90.2M · consumer $8.4M · securities $156.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.63% | 1.28% | 71th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 12.4% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.21% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.6% | 61.2% | 11th |
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 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 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 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 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.