| Metric | Farmers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +32.3% | +3.0% | +29.3 pts |
| Deposit growth (YoY) | +33.4% | +2.5% | +30.9 pts |
| Loan growth (YoY) | +32.9% | +2.6% | +30.3 pts |
| ROA | 0.23% | 0.99% | -0.8 pts |
| ROE | 2.4% | 8.1% | -5.7 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $94.8M | $85.8M | $76.5M | $8.3M | $100K | 0.23% | 5.31% | 0.62% |
| Q1 2026 | $82.7M | $73.7M | $72.3M | $8.3M | $44K | 0.21% | 5.07% | 0.68% |
| Q4 2025 | $81.4M | $72.5M | $66.3M | $8.2M | $428K | 0.58% | 5.46% | 0.73% |
| Q3 2025 | $75.5M | $66.7M | $63.2M | $8.1M | $306K | 0.57% | 5.32% | 0.00% |
| Q2 2025 | $71.6M | $64.3M | $57.5M | $6.7M | $184K | 0.52% | 5.08% | 0.34% |
| Q1 2025 | $67.9M | $60.5M | $51.8M | $6.6M | $98K | 0.56% | 5.04% | 0.00% |
| Q4 2024 | $70.9M | $63.7M | $48.3M | $6.5M | $525K | 0.85% | 5.18% | 0.11% |
| Q3 2024 | $68.8M | $61.7M | $45.4M | $6.5M | $402K | 0.90% | 5.24% | 0.24% |
Loan mix (Q2 2026): real estate $72.0M · commercial $1.3M · consumer $4.1M · securities $2.3M
| Ratio | Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.23% | 0.99% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 8.1% | 21th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.31% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 88.0% | 70.8% | 81th |
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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