| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.9% | +4.4% | -2.4 pts |
| Deposit growth (YoY) | +2.1% | +4.0% | -1.8 pts |
| Loan growth (YoY) | +3.0% | +5.6% | -2.6 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 12.8% | 11.9% | +0.9 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $385.4M | $343.6M | $301.6M | $31.9M | $2.0M | 1.03% | 3.95% | 0.41% |
| Q1 2026 | $383.6M | $342.3M | $292.3M | $31.4M | $1.0M | 1.07% | 3.88% | 0.39% |
| Q4 2025 | $392.9M | $352.2M | $294.0M | $30.9M | $3.5M | 0.91% | 3.79% | 0.40% |
| Q3 2025 | $376.7M | $328.2M | $294.7M | $30.4M | $2.7M | 0.96% | 3.78% | 0.39% |
| Q2 2025 | $378.1M | $336.4M | $292.9M | $28.7M | $1.7M | 0.92% | 3.72% | 0.37% |
| Q1 2025 | $380.9M | $339.6M | $291.6M | $28.4M | $835K | 0.90% | 3.76% | 0.23% |
| Q4 2024 | $362.8M | $328.8M | $290.0M | $27.0M | $3.0M | 0.81% | 3.54% | 0.26% |
| Q3 2024 | $367.2M | $325.5M | $290.1M | $28.8M | $2.4M | 0.84% | 3.51% | 0.26% |
Loan mix (Q2 2026): real estate $277.8M · commercial $7.2M · consumer $9.7M · securities $54.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 12.8% | 11.9% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 64.9% | 62.9% | 56th |
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 |
|---|---|---|---|---|
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% |
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