| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.0% | +3.8 pts |
| Deposit growth (YoY) | +5.2% | +2.5% | +2.8 pts |
| Loan growth (YoY) | -5.0% | +2.6% | -7.6 pts |
| ROA | 0.56% | 0.99% | -0.4 pts |
| ROE | 16.4% | 8.1% | +8.3 pts |
ROA ranks in the 28th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $66.9M | $58.5M | $33.8M | $2.6M | $190K | 0.56% | 3.36% | 2.20% |
| Q1 2026 | $70.1M | $62.4M | $34.8M | $2.2M | $98K | 0.57% | 3.37% | 1.98% |
| Q4 2025 | $68.0M | $60.3M | $35.0M | $2.1M | $-276K | -0.41% | 2.99% | 5.37% |
| Q3 2025 | $68.7M | $60.8M | $35.5M | $2.3M | $76K | 0.15% | 2.93% | 3.19% |
| Q2 2025 | $62.6M | $55.6M | $35.5M | $1.5M | $22K | 0.07% | 2.89% | 2.29% |
| Q1 2025 | $64.9M | $59.8M | $36.7M | $1.6M | $-15K | -0.09% | 2.67% | 1.90% |
| Q4 2024 | $72.3M | $64.1M | $37.2M | $1.3M | $-132K | -0.19% | 2.58% | 1.73% |
| Q3 2024 | $72.1M | $63.0M | $38.5M | $2.1M | $-192K | -0.38% | 2.53% | 3.15% |
Loan mix (Q2 2026): real estate $25.0M · commercial $2.4M · consumer $433K · securities $28.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.56% | 0.99% | 28th | |
Return on equity Annualized net income ÷ equity or net worth | 16.4% | 8.1% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 70.8% | 73th |
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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