| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +3.0% | +4.6 pts |
| Deposit growth (YoY) | +13.6% | +2.5% | +11.1 pts |
| Loan growth (YoY) | -1.5% | +2.6% | -4.1 pts |
| ROA | 0.96% | 0.99% | -0.0 pts |
| ROE | 10.0% | 8.1% | +2.0 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $42.8M | $36.2M | $22.2M | $4.1M | $202K | 0.96% | 3.73% | 0.70% |
| Q1 2026 | $42.5M | $35.0M | $21.7M | $3.9M | $83K | 0.80% | 3.61% | 0.63% |
| Q4 2025 | $41.0M | $33.3M | $21.6M | $4.1M | $367K | 0.91% | 3.55% | 1.00% |
| Q3 2025 | $42.0M | $33.7M | $23.1M | $3.9M | $281K | 0.94% | 3.57% | 0.99% |
| Q2 2025 | $39.8M | $31.9M | $22.5M | $3.5M | $169K | 0.86% | 3.46% | 1.05% |
| Q1 2025 | $39.5M | $32.4M | $21.2M | $3.4M | $58K | 0.60% | 3.26% | 1.07% |
| Q4 2024 | $38.4M | $30.5M | $21.6M | $3.3M | $242K | 0.62% | 3.26% | 0.38% |
| Q3 2024 | $39.6M | $30.4M | $21.8M | $3.6M | $207K | 0.70% | 3.21% | 0.46% |
Loan mix (Q2 2026): real estate $13.9M · commercial $1.8M · consumer $2.7M · securities $15.8M
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.96% | 0.99% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 10.0% | 8.1% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.73% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.2% | 70.8% | 56th |
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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