| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.4% | +4.4% | +1.0 pts |
| Deposit growth (YoY) | +4.5% | +4.0% | +0.5 pts |
| Loan growth (YoY) | +4.6% | +5.6% | -1.0 pts |
| ROA | 1.85% | 1.24% | +0.6 pts |
| ROE | 16.9% | 11.9% | +5.1 pts |
ROA ranks in the 82nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $359.4M | $307.3M | $285.5M | $40.5M | $3.3M | 1.85% | 4.43% | 0.84% |
| Q1 2026 | $354.8M | $304.8M | $284.3M | $38.6M | $1.5M | 1.73% | 4.38% | 0.85% |
| Q4 2025 | $354.8M | $303.4M | $282.6M | $37.6M | $5.5M | 1.63% | 4.44% | 0.85% |
| Q3 2025 | $347.5M | $297.9M | $277.2M | $35.8M | $4.4M | 1.74% | 4.45% | 0.13% |
| Q2 2025 | $341.0M | $294.1M | $273.0M | $33.4M | $2.9M | 1.75% | 4.45% | 0.00% |
| Q1 2025 | $331.8M | $285.1M | $265.3M | $31.7M | $1.3M | 1.64% | 4.33% | 0.00% |
| Q4 2024 | $322.8M | $277.5M | $258.8M | $30.0M | $4.5M | 1.42% | 4.16% | 0.02% |
| Q3 2024 | $320.9M | $279.6M | $248.4M | $30.1M | $3.5M | 1.48% | 4.10% | 0.02% |
Loan mix (Q2 2026): real estate $242.2M · commercial $39.3M · consumer $763K · securities $56.0M
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.85% | 1.24% | 82th | |
Return on equity Annualized net income ÷ equity or net worth | 16.9% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.1% | 62.9% | 13th |
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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