| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.5% | +5.5% | -1.0 pts |
| Deposit growth (YoY) | +4.4% | +5.1% | -0.7 pts |
| Loan growth (YoY) | +8.0% | +5.9% | +2.1 pts |
| ROA | 2.17% | 1.26% | +0.9 pts |
| ROE | 15.8% | 12.2% | +3.7 pts |
ROA ranks in the 93rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.12B | $919.5M | $861.8M | $156.6M | $12.1M | 2.17% | 3.63% | 0.17% |
| Q1 2026 | $1.13B | $933.0M | $836.0M | $151.6M | $4.7M | 1.69% | 3.50% | 0.17% |
| Q4 2025 | $1.11B | $911.5M | $837.0M | $150.9M | $16.4M | 1.53% | 3.26% | 0.12% |
| Q3 2025 | $1.09B | $886.5M | $805.6M | $148.3M | $11.5M | 1.44% | 3.16% | 0.19% |
| Q2 2025 | $1.07B | $880.9M | $798.1M | $142.6M | $7.0M | 1.33% | 3.07% | 0.16% |
| Q1 2025 | $1.05B | $858.1M | $768.3M | $140.0M | $2.8M | 1.08% | 2.91% | 0.19% |
| Q4 2024 | $1.03B | $849.7M | $780.2M | $138.1M | $9.2M | 0.89% | 2.56% | 0.24% |
| Q3 2024 | $1.03B | $823.1M | $782.4M | $138.7M | $6.0M | 0.77% | 2.50% | 0.02% |
Loan mix (Q2 2026): real estate $746.4M · commercial $69.0M · consumer $12.5M · securities $211.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.17% | 1.26% | 93th | |
Return on equity Annualized net income ÷ equity or net worth | 15.8% | 12.2% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.63% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 46.8% | 59.0% | 16th |
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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