| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.9% | +4.4% | +2.6 pts |
| Deposit growth (YoY) | +6.9% | +4.0% | +3.0 pts |
| Loan growth (YoY) | -16.7% | +5.6% | -22.3 pts |
| ROA | 1.55% | 1.24% | +0.3 pts |
| ROE | 17.1% | 11.9% | +5.2 pts |
ROA ranks in the 69th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $196.0M | $176.8M | $91.8M | $17.3M | $1.5M | 1.55% | 4.54% | 0.02% |
| Q1 2026 | $195.5M | $176.2M | $88.4M | $17.3M | $717K | 1.52% | 4.52% | 0.02% |
| Q4 2025 | $180.9M | $161.4M | $93.9M | $17.4M | $3.1M | 1.71% | 4.81% | 0.02% |
| Q3 2025 | $189.1M | $170.0M | $105.3M | $17.1M | $2.3M | 1.69% | 4.77% | 0.02% |
| Q2 2025 | $183.3M | $165.3M | $110.3M | $16.2M | $1.5M | 1.68% | 4.77% | 0.02% |
| Q1 2025 | $180.9M | $163.6M | $107.7M | $15.7M | $733K | 1.63% | 4.68% | 0.02% |
| Q4 2024 | $178.2M | $161.8M | $106.1M | $14.9M | $2.6M | 1.43% | 4.28% | 0.08% |
| Q3 2024 | $178.3M | $162.1M | $104.3M | $14.7M | $1.9M | 1.38% | 4.18% | 0.04% |
Loan mix (Q2 2026): real estate $67.5M · commercial $8.3M · consumer $5.6M · securities $66.0M
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.55% | 1.24% | 69th | |
Return on equity Annualized net income ÷ equity or net worth | 17.1% | 11.9% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.3% | 62.9% | 65th |
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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