| Metric | Farmers Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +5.5% | +0.6 pts |
| Deposit growth (YoY) | -0.2% | +5.1% | -5.2 pts |
| Loan growth (YoY) | +6.7% | +5.9% | +0.8 pts |
| ROA | 2.56% | 1.26% | +1.3 pts |
| ROE | 11.3% | 12.2% | -0.9 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.05B | $699.1M | $498.3M | $242.5M | $13.3M | 2.56% | 3.87% | 0.15% |
| Q1 2026 | $1.05B | $721.1M | $522.8M | $234.1M | $7.3M | 2.82% | 3.85% | 0.27% |
| Q4 2025 | $1.02B | $698.5M | $510.9M | $231.3M | $22.0M | 2.19% | 3.78% | 0.23% |
| Q3 2025 | $1.04B | $729.9M | $496.5M | $224.3M | $16.3M | 2.17% | 3.73% | 0.12% |
| Q2 2025 | $993.3M | $700.4M | $467.0M | $211.7M | $10.3M | 2.08% | 3.70% | 0.38% |
| Q1 2025 | $992.1M | $709.3M | $477.3M | $211.0M | $5.0M | 2.00% | 3.62% | 0.25% |
| Q4 2024 | $986.0M | $743.4M | $465.5M | $205.0M | $18.8M | 1.85% | 3.30% | 0.17% |
| Q3 2024 | $1.04B | $772.3M | $462.4M | $211.6M | $13.0M | 1.69% | 3.21% | 0.21% |
Loan mix (Q2 2026): real estate $409.0M · commercial $15.9M · consumer $7.5M · securities $489.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.56% | 1.26% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 11.3% | 12.2% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.87% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.2% | 59.0% | 12th |
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% |
The full ratio pack is part of CharterBench Pro.