| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.4% | +4.4% | +3.0 pts |
| Deposit growth (YoY) | +8.6% | +4.0% | +4.6 pts |
| Loan growth (YoY) | +8.9% | +5.6% | +3.3 pts |
| ROA | 2.05% | 1.24% | +0.8 pts |
| ROE | 15.0% | 11.9% | +3.1 pts |
ROA ranks in the 88th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $391.5M | $335.0M | $227.8M | $53.9M | $4.0M | 2.05% | 4.67% | 0.59% |
| Q1 2026 | $389.0M | $332.9M | $235.9M | $54.0M | $2.1M | 2.17% | 4.67% | 0.55% |
| Q4 2025 | $404.0M | $347.8M | $240.1M | $54.1M | $7.0M | 1.88% | 4.89% | 0.68% |
| Q3 2025 | $369.0M | $311.7M | $216.8M | $54.1M | $5.1M | 1.85% | 4.91% | 0.56% |
| Q2 2025 | $364.5M | $308.6M | $209.3M | $52.3M | $3.3M | 1.83% | 4.89% | 0.67% |
| Q1 2025 | $368.2M | $314.7M | $205.8M | $50.9M | $1.7M | 1.88% | 4.81% | 0.80% |
| Q4 2024 | $364.2M | $313.0M | $218.5M | $49.2M | $6.8M | 1.88% | 4.99% | 0.65% |
| Q3 2024 | $351.7M | $297.2M | $212.5M | $51.7M | $4.8M | 1.80% | 4.93% | 0.98% |
Loan mix (Q2 2026): real estate $133.3M · commercial $76.8M · consumer $7.8M · securities $94.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.05% | 1.24% | 88th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.5% | 62.9% | 34th |
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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