| Metric | Farmers Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.1 pts |
| Deposit growth (YoY) | -0.1% | +4.0% | -4.1 pts |
| Loan growth (YoY) | +3.5% | +5.6% | -2.1 pts |
| ROA | 0.65% | 1.24% | -0.6 pts |
| ROE | 6.0% | 11.9% | -5.9 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $130.5M | $111.0M | $88.3M | $14.8M | $433K | 0.65% | 3.30% | 0.19% |
| Q1 2026 | $133.6M | $112.9M | $85.4M | $14.1M | $199K | 0.59% | 3.25% | 0.18% |
| Q4 2025 | $135.7M | $112.7M | $88.2M | $14.3M | $636K | 0.49% | 3.03% | 0.18% |
| Q3 2025 | $133.4M | $106.8M | $87.9M | $14.0M | $422K | 0.43% | 3.00% | 0.19% |
| Q2 2025 | $128.9M | $111.2M | $85.3M | $13.1M | $249K | 0.39% | 2.92% | 0.20% |
| Q1 2025 | $129.6M | $111.2M | $87.2M | $12.7M | $102K | 0.32% | 2.84% | 0.20% |
| Q4 2024 | $126.5M | $104.2M | $87.9M | $12.5M | $-1.2M | -0.92% | 2.32% | 0.28% |
| Q3 2024 | $130.0M | $100.2M | $77.8M | $14.0M | $-47K | -0.05% | 2.26% | 0.33% |
Loan mix (Q2 2026): real estate $62.0M · commercial $16.0M · consumer $2.6M · securities $26.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 1.24% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 6.0% | 11.9% | 18th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.7% | 62.9% | 85th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
3 branches in 2 counties across 1 state (+0 vs 2025) · $111.0M branch deposits. Biggest market: Lee, IA, ranked 4th with 4.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lee, IA | 2 | $67.3M | 4.67% | 4th |
| Des Moines, IA | 1 | $43.7M | 2.74% | 10th |
Iowa: 227th with 0.07% ·
Branch count: 2022 3 · 2023 4 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (13 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).