| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +5.5% | +1.1 pts |
| Deposit growth (YoY) | +5.3% | +5.1% | +0.3 pts |
| Loan growth (YoY) | +9.2% | +5.9% | +3.2 pts |
| ROA | 1.24% | 1.26% | -0.0 pts |
| ROE | 15.5% | 12.2% | +3.4 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.40B | $1.27B | $919.8M | $116.0M | $8.6M | 1.24% | 3.73% | 0.28% |
| Q1 2026 | $1.41B | $1.28B | $892.6M | $109.7M | $3.3M | 0.94% | 3.59% | 0.34% |
| Q4 2025 | $1.37B | $1.25B | $881.6M | $108.0M | $11.3M | 0.85% | 3.42% | 0.44% |
| Q3 2025 | $1.36B | $1.24B | $865.7M | $102.6M | $8.2M | 0.82% | 3.37% | 0.55% |
| Q2 2025 | $1.31B | $1.20B | $842.7M | $95.8M | $5.2M | 0.80% | 3.35% | 0.58% |
| Q1 2025 | $1.31B | $1.21B | $819.9M | $92.7M | $2.4M | 0.74% | 3.18% | 0.69% |
| Q4 2024 | $1.30B | $1.20B | $834.1M | $87.7M | $7.3M | 0.56% | 2.84% | 0.55% |
| Q3 2024 | $1.34B | $1.22B | $825.0M | $91.7M | $5.0M | 0.51% | 2.76% | 0.49% |
Loan mix (Q2 2026): real estate $763.2M · commercial $60.6M · consumer $78.8M · securities $337.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.24% | 1.26% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 15.5% | 12.2% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
52th |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 59.0% | 47th |
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.