| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.2% | +4.4% | -3.2 pts |
| Deposit growth (YoY) | -0.3% | +4.0% | -4.2 pts |
| Loan growth (YoY) | +4.9% | +5.6% | -0.7 pts |
| ROA | 2.67% | 1.24% | +1.4 pts |
| ROE | 20.1% | 11.9% | +8.2 pts |
ROA ranks in the 97th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $186.2M | $160.3M | $87.7M | $25.0M | $2.5M | 2.67% | 5.39% | 0.08% |
| Q1 2026 | $188.6M | $162.9M | $83.5M | $25.1M | $1.2M | 2.47% | 5.33% | 0.06% |
| Q4 2025 | $183.8M | $159.1M | $84.8M | $24.3M | $5.3M | 2.90% | 5.57% | 0.12% |
| Q3 2025 | $180.8M | $155.0M | $83.2M | $24.6M | $4.0M | 2.86% | 5.54% | 0.10% |
| Q2 2025 | $184.0M | $160.7M | $83.6M | $22.3M | $2.6M | 2.79% | 5.54% | 0.06% |
| Q1 2025 | $189.0M | $165.8M | $80.7M | $22.5M | $1.3M | 2.71% | 5.38% | 0.06% |
| Q4 2024 | $184.7M | $163.5M | $80.1M | $20.7M | $4.2M | 2.41% | 5.75% | 0.06% |
| Q3 2024 | $175.3M | $149.9M | $81.4M | $23.8M | $3.2M | 2.50% | 5.77% | 0.10% |
Loan mix (Q2 2026): real estate $72.3M · commercial $7.8M · consumer $8.7M · securities $46.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.67% | 1.24% | 97th | |
Return on equity Annualized net income ÷ equity or net worth | 20.1% | 11.9% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.39% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.6% | 62.9% | 24th |
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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