| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.2% | +3.0% | +0.2 pts |
| Deposit growth (YoY) | +3.0% | +2.5% | +0.6 pts |
| Loan growth (YoY) | +1.3% | +2.6% | -1.3 pts |
| ROA | 1.13% | 0.99% | +0.1 pts |
| ROE | 8.2% | 8.1% | +0.2 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $36.7M | $31.5M | $12.3M | $5.1M | $210K | 1.13% | 3.80% | 0.00% |
| Q1 2026 | $38.6M | $33.4M | $12.1M | $5.1M | $98K | 1.05% | 3.66% | 0.00% |
| Q4 2025 | $35.9M | $30.8M | $12.7M | $5.0M | $274K | 0.77% | 3.48% | 0.00% |
| Q3 2025 | $34.9M | $29.8M | $12.4M | $5.0M | $230K | 0.86% | 3.43% | 0.00% |
| Q2 2025 | $35.5M | $30.6M | $12.2M | $4.9M | $126K | 0.71% | 3.36% | 0.00% |
| Q1 2025 | $36.6M | $31.7M | $12.1M | $4.9M | $53K | 0.59% | 3.30% | 0.00% |
| Q4 2024 | $35.0M | $29.9M | $11.8M | $4.8M | $261K | 0.74% | 3.21% | 0.00% |
| Q3 2024 | $34.0M | $29.0M | $11.5M | $5.0M | $216K | 0.81% | 3.19% | 0.00% |
Loan mix (Q2 2026): real estate $6.8M · commercial $4.2M · consumer $1.4M · securities $8.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 0.99% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 8.1% | 51th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.80% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.8% | 70.8% | 27th |
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% |
The full ratio pack is part of CharterBench Pro.