| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.4% | +4.4% | -1.0 pts |
| Deposit growth (YoY) | +2.5% | +4.0% | -1.5 pts |
| Loan growth (YoY) | +7.2% | +5.6% | +1.6 pts |
| ROA | 0.89% | 1.24% | -0.3 pts |
| ROE | 14.0% | 11.9% | +2.1 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $254.8M | $237.4M | $139.1M | $16.7M | $1.1M | 0.89% | 3.38% | 0.00% |
| Q1 2026 | $258.9M | $242.1M | $134.3M | $16.1M | $524K | 0.82% | 3.27% | 0.00% |
| Q4 2025 | $250.7M | $233.3M | $138.7M | $16.1M | $1.8M | 0.72% | 3.12% | 0.00% |
| Q3 2025 | $250.6M | $234.2M | $131.5M | $15.7M | $1.3M | 0.68% | 3.03% | 0.00% |
| Q2 2025 | $246.4M | $231.7M | $129.8M | $14.1M | $783K | 0.64% | 2.97% | 0.00% |
| Q1 2025 | $251.3M | $238.0M | $124.7M | $12.8M | $311K | 0.51% | 2.83% | 0.00% |
| Q4 2024 | $241.2M | $228.6M | $131.9M | $11.0M | $1.4M | 0.58% | 2.86% | 0.00% |
| Q3 2024 | $239.1M | $222.7M | $127.4M | $13.8M | $1.1M | 0.57% | 2.84% | 0.00% |
Loan mix (Q2 2026): real estate $77.4M · commercial $14.9M · consumer $8.2M · securities $94.3M
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.89% | 1.24% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 11.9% | 63rd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 62.9% | 60th |
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 2 counties across 1 state (+0 vs 2024) · $231.7M branch deposits. Biggest market: Hutchinson, SD, ranked 1st with 33.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hutchinson, SD | 2 | $162.1M | 32.97% | 1st |
| Davison, SD | 1 | $69.6M | 6.17% | 6th |
South Dakota: 36th with 0.03% ·
Branch count: 2022 4 · 2023 4 · 2024 3 · 2025 3