| Metric | Farmers National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.9% | +4.9% | -5.8 pts |
| Deposit growth (YoY) | +1.1% | +4.3% | -3.2 pts |
| Loan growth (YoY) | +4.2% | +5.3% | -1.1 pts |
| ROA | 1.17% | 1.28% | -0.1 pts |
| ROE | 8.4% | 12.4% | -4.0 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $895.7M | $637.2M | $490.3M | $128.0M | $5.3M | 1.17% | 3.30% | 0.13% |
| Q1 2026 | $913.9M | $638.8M | $490.7M | $125.2M | $2.4M | 1.07% | 3.23% | 0.68% |
| Q4 2025 | $901.8M | $617.8M | $499.8M | $124.1M | $10.3M | 1.16% | 3.10% | 0.03% |
| Q3 2025 | $884.8M | $610.7M | $479.0M | $122.1M | $6.9M | 1.03% | 3.06% | 0.01% |
| Q2 2025 | $903.4M | $630.3M | $470.3M | $116.1M | $4.4M | 0.98% | 3.00% | 0.05% |
| Q1 2025 | $895.0M | $628.5M | $477.5M | $114.7M | $2.3M | 1.02% | 2.96% | 0.25% |
| Q4 2024 | $885.6M | $623.4M | $484.7M | $109.6M | $10.7M | 1.24% | 2.99% | 0.06% |
| Q3 2024 | $867.6M | $589.7M | $431.8M | $115.6M | $7.6M | 1.18% | 3.01% | 0.10% |
Loan mix (Q2 2026): real estate $331.5M · commercial $33.0M · consumer $4.8M · securities $288.6M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.28% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 8.4% | 12.4% | 24th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.0% | 61.2% | 10th |
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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