| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.5% | +4.4% | -2.8 pts |
| Deposit growth (YoY) | +0.2% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +4.0% | +5.6% | -1.6 pts |
| ROA | 2.15% | 1.24% | +0.9 pts |
| ROE | 16.8% | 11.9% | +4.9 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $156.2M | $134.3M | $121.3M | $20.3M | $1.7M | 2.15% | 5.44% | 0.22% |
| Q1 2026 | $159.0M | $137.7M | $120.3M | $19.9M | $815K | 2.09% | 5.35% | 0.05% |
| Q4 2025 | $152.7M | $131.3M | $117.1M | $19.7M | $3.2M | 2.10% | 5.31% | 0.23% |
| Q3 2025 | $156.1M | $135.4M | $117.3M | $19.1M | $2.3M | 2.04% | 5.25% | 0.72% |
| Q2 2025 | $153.9M | $134.0M | $116.6M | $18.3M | $1.5M | 1.96% | 5.18% | 1.42% |
| Q1 2025 | $151.3M | $131.9M | $115.1M | $18.0M | $709K | 1.88% | 5.04% | 1.44% |
| Q4 2024 | $150.2M | $131.5M | $118.7M | $17.5M | $2.7M | 1.84% | 4.91% | 1.44% |
| Q3 2024 | $148.1M | $128.7M | $118.2M | $18.2M | $2.0M | 1.83% | 4.88% | 0.23% |
Loan mix (Q2 2026): real estate $105.7M · commercial $9.0M · consumer $9.6M · securities $19.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.15% | 1.24% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 16.8% | 11.9% | 77th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.44% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 62.9% | 42th |
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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