| Metric | Farmers National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.3% | +4.4% | +2.9 pts |
| Deposit growth (YoY) | +7.4% | +4.0% | +3.5 pts |
| Loan growth (YoY) | -0.2% | +5.6% | -5.8 pts |
| ROA | 1.33% | 1.24% | +0.1 pts |
| ROE | 6.6% | 11.9% | -5.3 pts |
ROA ranks in the 55th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $172.5M | $136.7M | $83.4M | $35.2M | $1.1M | 1.33% | 3.67% | 0.20% |
| Q1 2026 | $176.1M | $140.8M | $81.7M | $34.7M | $654K | 1.52% | 3.65% | 0.22% |
| Q4 2025 | $167.9M | $133.4M | $87.1M | $34.1M | $2.2M | 1.37% | 3.80% | 0.23% |
| Q3 2025 | $161.4M | $127.2M | $88.2M | $33.7M | $1.8M | 1.44% | 3.77% | 0.26% |
| Q2 2025 | $160.8M | $127.2M | $83.6M | $33.0M | $1.1M | 1.37% | 3.67% | 0.28% |
| Q1 2025 | $167.5M | $134.5M | $82.7M | $32.5M | $597K | 1.45% | 3.56% | 0.29% |
| Q4 2024 | $161.8M | $129.3M | $84.1M | $31.9M | $1.7M | 1.02% | 3.50% | 0.32% |
| Q3 2024 | $160.8M | $125.4M | $88.0M | $31.9M | $1.6M | 1.29% | 3.49% | 0.32% |
Loan mix (Q2 2026): real estate $46.9M · commercial $13.0M · consumer $3.2M · securities $70.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.24% | 55th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 11.9% | 20th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.8% | 62.9% | 17th |
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 National 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 National 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 National 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 National 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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