| Metric | Farmers Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.2 pts |
| Deposit growth (YoY) | +5.9% | +4.0% | +1.9 pts |
| Loan growth (YoY) | +8.6% | +5.6% | +3.0 pts |
| ROA | 0.85% | 1.24% | -0.4 pts |
| ROE | 8.9% | 11.9% | -2.9 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $299.1M | $260.2M | $179.9M | $28.6M | $1.3M | 0.85% | 2.91% | 1.20% |
| Q1 2026 | $287.5M | $251.5M | $173.3M | $27.6M | $656K | 0.90% | 2.90% | 1.26% |
| Q4 2025 | $296.5M | $259.7M | $171.6M | $28.1M | $2.2M | 0.81% | 2.90% | 1.00% |
| Q3 2025 | $286.6M | $250.2M | $166.7M | $27.6M | $1.8M | 0.87% | 2.97% | 0.99% |
| Q2 2025 | $280.7M | $245.7M | $165.7M | $25.9M | $971K | 0.73% | 2.93% | 1.37% |
| Q1 2025 | $275.1M | $240.6M | $166.2M | $25.5M | $332K | 0.51% | 3.01% | 1.20% |
| Q4 2024 | $244.1M | $209.6M | $138.0M | $25.3M | $1.4M | 0.56% | 2.45% | 0.09% |
| Q3 2024 | $240.0M | $203.9M | $133.2M | $26.8M | $1.1M | 0.58% | 2.41% | 0.10% |
Loan mix (Q2 2026): real estate $109.7M · commercial $28.4M · consumer $5.8M · securities $74.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.85% | 1.24% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 11.9% | 32th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.8% | 62.9% | 64th |
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 Savings 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 Savings 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 Savings 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 Savings 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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