| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +4.4% | -4.3 pts |
| Deposit growth (YoY) | +6.4% | +4.0% | +2.5 pts |
| Loan growth (YoY) | +3.9% | +5.6% | -1.7 pts |
| ROA | 1.03% | 1.24% | -0.2 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $221.4M | $189.7M | $161.0M | $21.9M | $1.1M | 1.03% | 4.01% | 0.57% |
| Q1 2026 | $221.4M | $189.0M | $160.0M | $21.2M | $493K | 0.89% | 3.80% | 0.90% |
| Q4 2025 | $220.7M | $182.5M | $157.7M | $21.2M | $1.2M | 0.55% | 3.60% | 1.05% |
| Q3 2025 | $222.5M | $172.2M | $154.9M | $21.1M | $1.0M | 0.60% | 3.56% | 1.19% |
| Q2 2025 | $221.3M | $178.2M | $155.0M | $20.0M | $547K | 0.49% | 3.57% | 0.52% |
| Q1 2025 | $224.2M | $177.1M | $157.4M | $20.0M | $596K | 1.08% | 3.52% | 0.56% |
| Q4 2024 | $218.9M | $176.9M | $153.0M | $19.2M | $587K | 0.26% | 3.17% | 0.38% |
| Q3 2024 | $217.7M | $171.6M | $150.5M | $20.7M | $278K | 0.17% | 3.08% | 0.33% |
Loan mix (Q2 2026): real estate $114.2M · commercial $12.7M · consumer $3.4M · securities $46.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.03% | 1.24% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.01% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.1% | 62.9% | 48th |
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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