| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +11.1% | +3.0% | +8.1 pts |
| Deposit growth (YoY) | +10.5% | +2.5% | +8.0 pts |
| Loan growth (YoY) | +1.5% | +2.6% | -1.1 pts |
| ROA | 1.13% | 0.99% | +0.1 pts |
| ROE | 14.6% | 8.1% | +6.6 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $69.3M | $62.5M | $28.0M | $5.3M | $388K | 1.13% | 4.22% | 0.44% |
| Q1 2026 | $68.6M | $62.0M | $28.3M | $5.2M | $201K | 1.18% | 4.36% | 0.45% |
| Q4 2025 | $68.2M | $61.5M | $28.1M | $5.4M | $850K | 1.35% | 4.44% | 0.44% |
| Q3 2025 | $63.8M | $57.3M | $28.0M | $5.0M | $645K | 1.39% | 4.51% | 0.23% |
| Q2 2025 | $62.4M | $56.6M | $27.6M | $4.7M | $416K | 1.36% | 4.51% | 0.98% |
| Q1 2025 | $60.1M | $54.4M | $28.3M | $4.4M | $194K | 1.29% | 4.46% | 0.95% |
| Q4 2024 | $60.5M | $54.1M | $27.4M | $4.2M | $802K | 1.31% | 4.21% | 1.03% |
| Q3 2024 | $61.5M | $51.2M | $26.9M | $4.5M | $545K | 1.18% | 4.18% | 1.11% |
Loan mix (Q2 2026): real estate $20.4M · commercial $2.4M · consumer $3.5M · securities $33.9M
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.99% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 14.6% | 8.1% | 83rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.22% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.1% | 70.8% | 53rd |
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 State 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 State 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 State 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 State 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 State 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.
2 branches in 2 counties across 1 state (+0 vs 2024) · $56.6M branch deposits. Biggest market: Owsley, KY, ranked 1st with 100.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Owsley, KY | 1 | $49.3M | 100.00% | 1st |
| Lee, KY | 1 | $7.3M | 6.11% | 3rd |
Kentucky: 173rd with 0.04% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2