| Metric | Farmers Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +4.4% | +2.3 pts |
| Deposit growth (YoY) | +5.2% | +4.0% | +1.2 pts |
| Loan growth (YoY) | +7.3% | +5.6% | +1.7 pts |
| ROA | 1.75% | 1.24% | +0.5 pts |
| ROE | 16.5% | 11.9% | +4.6 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $461.2M | $404.0M | $228.8M | $49.8M | $4.0M | 1.75% | 3.05% | 0.02% |
| Q1 2026 | $457.9M | $406.0M | $232.2M | $47.4M | $1.6M | 1.43% | 2.98% | 0.02% |
| Q4 2025 | $436.9M | $384.2M | $227.5M | $46.6M | $6.1M | 1.44% | 3.12% | 0.01% |
| Q3 2025 | $422.0M | $369.4M | $218.9M | $44.4M | $4.2M | 1.34% | 3.10% | 0.25% |
| Q2 2025 | $432.5M | $384.2M | $213.2M | $41.8M | $2.7M | 1.27% | 3.04% | 0.30% |
| Q1 2025 | $420.2M | $373.3M | $218.7M | $39.4M | $1.3M | 1.22% | 3.03% | 0.43% |
| Q4 2024 | $415.9M | $373.6M | $217.3M | $37.2M | $5.1M | 1.25% | 3.04% | 0.05% |
| Q3 2024 | $405.9M | $360.7M | $210.6M | $40.5M | $4.4M | 1.43% | 2.98% | 0.02% |
Loan mix (Q2 2026): real estate $173.6M · commercial $33.3M · consumer $6.3M · securities $122.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.75% | 1.24% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 16.5% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.05% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.8% | 62.9% | 22th |
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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