| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.4% | -1.6 pts |
| Deposit growth (YoY) | +2.2% | +4.0% | -1.7 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 1.40% | 1.24% | +0.2 pts |
| ROE | 9.5% | 11.9% | -2.4 pts |
ROA ranks in the 60th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $339.8M | $285.8M | $254.2M | $51.7M | $2.4M | 1.40% | 4.34% | 0.31% |
| Q1 2026 | $358.1M | $304.8M | $246.2M | $51.0M | $571K | 0.65% | 4.16% | 0.74% |
| Q4 2025 | $341.3M | $287.8M | $253.6M | $50.8M | $6.3M | 1.91% | 4.41% | 0.27% |
| Q3 2025 | $323.9M | $270.8M | $249.0M | $50.6M | $4.7M | 1.92% | 4.41% | 0.37% |
| Q2 2025 | $330.6M | $279.6M | $242.2M | $48.8M | $3.2M | 1.96% | 4.34% | 1.11% |
| Q1 2025 | $334.6M | $283.8M | $234.7M | $48.7M | $1.6M | 1.91% | 4.26% | 0.37% |
| Q4 2024 | $326.3M | $275.9M | $244.2M | $46.9M | $5.9M | 1.82% | 4.30% | 0.39% |
| Q3 2024 | $319.0M | $269.6M | $233.7M | $47.0M | $4.6M | 1.91% | 4.34% | 0.06% |
Loan mix (Q2 2026): real estate $210.4M · commercial $7.7M · consumer $1.1M · securities $38.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.40% | 1.24% | 60th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.9% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 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.
6 branches in 4 counties across 1 state (+0 vs 2024) · $279.6M branch deposits. Biggest market: Pike, IL, ranked 1st with 31.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Pike, IL | 3 | $187.5M | 31.67% | 1st |
| Scott, IL | 1 | $38.1M | 25.91% | 2nd |
| Greene, IL | 1 | $33.7M | 9.61% | 3rd |
| 1 more county with Pro → | ||||
Illinois: 212th with 0.04% · St. Louis metro: 128th, 0.01% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6