| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -8.4% | +4.4% | -12.8 pts |
| Deposit growth (YoY) | -10.8% | +4.0% | -14.7 pts |
| Loan growth (YoY) | +14.7% | +5.6% | +9.1 pts |
| ROA | 0.55% | 1.24% | -0.7 pts |
| ROE | 5.8% | 11.9% | -6.1 pts |
ROA ranks in the 15th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $289.6M | $258.6M | $140.5M | $28.7M | $824K | 0.55% | 2.86% | 0.37% |
| Q1 2026 | $299.0M | $268.3M | $120.0M | $28.6M | $284K | 0.37% | 2.68% | 0.34% |
| Q4 2025 | $312.0M | $281.7M | $117.6M | $27.8M | $2.0M | 0.63% | 2.67% | 0.41% |
| Q3 2025 | $304.5M | $275.7M | $117.6M | $26.8M | $1.5M | 0.64% | 2.66% | 0.62% |
| Q2 2025 | $316.3M | $289.7M | $122.5M | $24.6M | $984K | 0.60% | 2.59% | 0.07% |
| Q1 2025 | $331.0M | $305.6M | $137.9M | $23.4M | $239K | 0.29% | 2.36% | 0.14% |
| Q4 2024 | $334.7M | $310.3M | $139.6M | $22.2M | $1.8M | 0.63% | 2.58% | 0.12% |
| Q3 2024 | $311.3M | $285.1M | $136.3M | $24.1M | $1.2M | 0.59% | 2.60% | 0.14% |
Loan mix (Q2 2026): real estate $133.9M · commercial $2.0M · consumer $6.3M · securities $106.4M
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.55% | 1.24% | 15th | |
Return on equity Annualized net income ÷ equity or net worth | 5.8% | 11.9% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.86% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 62.9% | 74th |
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 & Merchants 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 & Merchants 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 & Merchants 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 & Merchants 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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