| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.5% | +4.4% | +2.1 pts |
| Deposit growth (YoY) | -0.8% | +4.0% | -4.7 pts |
| Loan growth (YoY) | +16.6% | +5.6% | +11.0 pts |
| ROA | 0.77% | 1.24% | -0.5 pts |
| ROE | 7.8% | 11.9% | -4.1 pts |
ROA ranks in the 23rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $232.6M | $194.3M | $145.9M | $23.0M | $890K | 0.77% | 3.91% | 0.53% |
| Q1 2026 | $229.9M | $203.1M | $137.6M | $22.3M | $439K | 0.76% | 3.90% | 0.03% |
| Q4 2025 | $229.4M | $197.6M | $135.8M | $23.0M | $1.9M | 0.86% | 3.83% | 0.09% |
| Q3 2025 | $233.5M | $208.9M | $131.9M | $21.8M | $1.3M | 0.79% | 3.74% | 0.14% |
| Q2 2025 | $218.4M | $195.8M | $125.2M | $20.2M | $867K | 0.80% | 3.67% | 0.11% |
| Q1 2025 | $219.1M | $197.2M | $124.0M | $19.6M | $404K | 0.74% | 3.55% | 0.06% |
| Q4 2024 | $216.6M | $195.4M | $122.1M | $18.9M | $1.1M | 0.54% | 3.29% | 0.06% |
| Q3 2024 | $201.4M | $178.5M | $118.8M | $19.9M | $777K | 0.51% | 3.27% | 0.08% |
Loan mix (Q2 2026): real estate $127.4M · commercial $8.8M · consumer $10.6M · securities $67.1M
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.77% | 1.24% | 23rd | |
Return on equity Annualized net income ÷ equity or net worth | 7.8% | 11.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 62.9% | 77th |
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 |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 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.
3 branches in 1 county across 1 state (+0 vs 2024) · $195.8M branch deposits. Biggest market: Johnson, TN, ranked 1st with 52.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Johnson, TN | 3 | $195.8M | 52.87% | 1st |
Tennessee: 137th with 0.07% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3