| Metric | Farmers Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.5 pts |
| Deposit growth (YoY) | +1.1% | +4.0% | -2.9 pts |
| Loan growth (YoY) | +8.2% | +5.6% | +2.6 pts |
| ROA | 1.46% | 1.24% | +0.2 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 64th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $140.3M | $115.3M | $101.9M | $22.2M | $1.0M | 1.46% | 4.01% | 0.42% |
| Q1 2026 | $145.0M | $121.6M | $95.3M | $21.7M | $486K | 1.37% | 3.84% | 0.41% |
| Q4 2025 | $139.2M | $115.9M | $93.7M | $21.4M | $1.3M | 0.93% | 3.75% | 0.43% |
| Q3 2025 | $144.7M | $121.9M | $95.9M | $21.2M | $1.2M | 1.17% | 3.68% | 0.43% |
| Q2 2025 | $136.5M | $114.2M | $94.2M | $20.4M | $776K | 1.11% | 3.63% | 0.46% |
| Q1 2025 | $139.9M | $117.4M | $94.0M | $19.8M | $342K | 0.97% | 3.52% | 0.46% |
| Q4 2024 | $142.2M | $116.7M | $92.4M | $19.2M | $1.2M | 0.86% | 3.35% | 0.47% |
| Q3 2024 | $143.2M | $116.4M | $93.4M | $19.6M | $1.1M | 1.02% | 3.33% | 0.47% |
Loan mix (Q2 2026): real estate $79.1M · commercial $7.9M · consumer $1.0M · securities $25.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.46% | 1.24% | 64th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.2% | 62.9% | 42th |
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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