| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.9% | +2.4 pts |
| Deposit growth (YoY) | +6.6% | +4.3% | +2.3 pts |
| Loan growth (YoY) | +2.2% | +5.3% | -3.1 pts |
| ROA | 2.55% | 1.28% | +1.3 pts |
| ROE | 17.1% | 12.4% | +4.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $998.8M | $842.6M | $530.7M | $149.4M | $12.5M | 2.55% | 5.09% | 0.43% |
| Q1 2026 | $985.6M | $831.1M | $516.2M | $146.2M | $6.0M | 2.48% | 5.00% | 0.36% |
| Q4 2025 | $965.7M | $814.1M | $520.4M | $144.0M | $20.9M | 2.24% | 5.18% | 0.47% |
| Q3 2025 | $947.2M | $799.2M | $516.8M | $140.1M | $15.6M | 2.25% | 5.22% | 0.50% |
| Q2 2025 | $931.1M | $790.4M | $519.2M | $133.0M | $10.2M | 2.22% | 5.21% | 0.24% |
| Q1 2025 | $925.8M | $782.8M | $513.9M | $130.8M | $5.0M | 2.19% | 5.14% | 0.48% |
| Q4 2024 | $894.1M | $757.3M | $521.6M | $125.4M | $21.3M | 2.36% | 5.32% | 0.20% |
| Q3 2024 | $899.3M | $764.0M | $529.1M | $125.5M | $16.1M | 2.36% | 5.30% | 0.20% |
Loan mix (Q2 2026): real estate $525.3M · commercial $13.7M · consumer $2.2M · securities $306.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.55% | 1.28% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 12.4% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.09% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.9% | 61.2% | 14th |
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% |
The full ratio pack is part of CharterBench Pro.