| Metric | Farmers Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.1% | +4.4% | +2.8 pts |
| Deposit growth (YoY) | +8.1% | +4.0% | +4.2 pts |
| Loan growth (YoY) | +11.7% | +5.6% | +6.2 pts |
| ROA | 0.75% | 1.24% | -0.5 pts |
| ROE | 6.5% | 11.9% | -5.4 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $215.3M | $173.7M | $171.9M | $25.6M | $808K | 0.75% | 3.18% | 2.82% |
| Q1 2026 | $216.3M | $162.1M | $169.0M | $24.9M | $489K | 0.91% | 3.22% | 2.11% |
| Q4 2025 | $213.4M | $166.9M | $165.6M | $24.6M | $1.5M | 0.74% | 3.03% | 1.12% |
| Q3 2025 | $206.0M | $159.4M | $157.9M | $23.9M | $1.0M | 0.67% | 2.93% | 2.03% |
| Q2 2025 | $201.0M | $160.6M | $153.9M | $22.8M | $508K | 0.51% | 2.87% | 1.44% |
| Q1 2025 | $198.9M | $160.6M | $151.5M | $22.5M | $134K | 0.27% | 2.73% | 1.48% |
| Q4 2024 | $198.3M | $169.2M | $150.5M | $22.3M | $707K | 0.36% | 2.27% | 0.26% |
| Q3 2024 | $197.9M | $168.3M | $146.7M | $22.3M | $365K | 0.25% | 2.18% | 0.24% |
Loan mix (Q2 2026): real estate $131.1M · commercial $21.9M · consumer $2.6M · securities $31.5M
| Ratio | Farmers Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 1.24% | 23th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 11.9% | 19th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.18% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.0% | 62.9% | 53th |
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% |
The full ratio pack is part of CharterBench Pro.