| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +3.0% | +6.0 pts |
| Deposit growth (YoY) | +9.1% | +2.5% | +6.6 pts |
| Loan growth (YoY) | +5.2% | +2.6% | +2.6 pts |
| ROA | 1.10% | 0.99% | +0.1 pts |
| ROE | 9.6% | 8.1% | +1.5 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $35.4M | $31.2M | $16.3M | $4.0M | $189K | 1.10% | 4.67% | 0.00% |
| Q1 2026 | $35.5M | $31.2M | $14.9M | $3.9M | $69K | 0.81% | 4.42% | 0.00% |
| Q4 2025 | $32.3M | $28.2M | $15.7M | $3.9M | $506K | 1.61% | 5.06% | 0.00% |
| Q3 2025 | $31.4M | $27.4M | $15.9M | $3.7M | $347K | 1.48% | 5.10% | 0.00% |
| Q2 2025 | $32.5M | $28.6M | $15.5M | $3.6M | $229K | 1.47% | 5.12% | 0.00% |
| Q1 2025 | $31.1M | $27.4M | $16.1M | $3.5M | $105K | 1.38% | 5.21% | 0.00% |
| Q4 2024 | $29.6M | $26.1M | $16.3M | $3.3M | $393K | 1.32% | 4.95% | 0.00% |
| Q3 2024 | $30.3M | $26.8M | $16.1M | $3.2M | $283K | 1.27% | 4.89% | 0.00% |
Loan mix (Q2 2026): real estate $13.0M · commercial $1.8M · consumer $802K · securities $138K
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.10% | 0.99% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 8.1% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.67% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.3% | 70.8% | 49th |
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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