| Metric | Farmers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.4% | +4.4% | -3.9 pts |
| Deposit growth (YoY) | -1.0% | +4.0% | -4.9 pts |
| Loan growth (YoY) | +5.1% | +5.6% | -0.5 pts |
| ROA | 1.16% | 1.24% | -0.1 pts |
| ROE | 8.5% | 11.9% | -3.4 pts |
ROA ranks in the 46th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $288.7M | $247.9M | $163.6M | $39.7M | $1.7M | 1.16% | 4.10% | 0.11% |
| Q1 2026 | $286.6M | $246.6M | $163.5M | $38.8M | $735K | 1.02% | 4.05% | 0.38% |
| Q4 2025 | $287.6M | $247.2M | $162.1M | $39.5M | $2.3M | 0.80% | 3.77% | 0.25% |
| Q3 2025 | $282.1M | $242.5M | $160.4M | $38.6M | $2.0M | 0.93% | 3.73% | 0.21% |
| Q2 2025 | $287.5M | $250.2M | $155.7M | $36.2M | $1.4M | 1.00% | 3.67% | 0.19% |
| Q1 2025 | $282.3M | $245.5M | $153.5M | $35.8M | $645K | 0.92% | 3.64% | 0.10% |
| Q4 2024 | $277.4M | $241.0M | $154.7M | $35.4M | $2.8M | 1.00% | 3.45% | 0.10% |
| Q3 2024 | $281.5M | $243.2M | $155.2M | $37.2M | $2.3M | 1.10% | 3.40% | 0.05% |
Loan mix (Q2 2026): real estate $133.4M · commercial $18.9M · consumer $11.5M · securities $80.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.24% | 46th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 11.9% | 29th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.7% | 62.9% | 70th |
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% |
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