| Metric | Farmers Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.0% | +4.4% | -8.4 pts |
| Deposit growth (YoY) | -6.4% | +4.0% | -10.3 pts |
| Loan growth (YoY) | +13.0% | +5.6% | +7.4 pts |
| ROA | 1.43% | 1.24% | +0.2 pts |
| ROE | 19.0% | 11.9% | +7.2 pts |
ROA ranks in the 62nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $159.0M | $144.8M | $92.2M | $13.4M | $1.2M | 1.43% | 3.88% | 0.44% |
| Q1 2026 | $158.1M | $145.9M | $82.4M | $11.4M | $476K | 1.17% | 3.72% | 0.74% |
| Q4 2025 | $167.8M | $155.7M | $86.2M | $11.6M | $1.1M | 0.63% | 3.33% | 0.28% |
| Q3 2025 | $162.7M | $151.3M | $80.4M | $10.8M | $661K | 0.52% | 3.26% | 0.24% |
| Q2 2025 | $165.7M | $154.6M | $81.6M | $10.3M | $970K | 1.12% | 3.01% | 0.64% |
| Q1 2025 | $168.5M | $157.9M | $78.3M | $9.9M | $587K | 1.33% | 2.91% | 0.00% |
| Q4 2024 | $185.5M | $175.4M | $77.7M | $9.5M | $1.6M | 1.02% | 2.60% | 0.00% |
| Q3 2024 | $148.6M | $133.9M | $71.9M | $10.4M | $1.2M | 1.03% | 2.67% | 0.00% |
Loan mix (Q2 2026): real estate $39.6M · commercial $22.7M · consumer $3.0M · securities $48.8M
| Ratio | Farmers Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 1.24% | 62th | |
Return on equity Annualized net income ÷ equity or net worth | 19.0% | 11.9% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.3% | 62.9% | 33th |
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 & Trust | 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 & Trust | 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 & Trust | 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 & Trust | 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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