| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.2% | +4.9% | +5.3 pts |
| Deposit growth (YoY) | +4.8% | +4.3% | +0.5 pts |
| Loan growth (YoY) | +11.0% | +5.3% | +5.6 pts |
| ROA | 0.98% | 1.28% | -0.3 pts |
| ROE | 14.2% | 12.4% | +1.8 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $790.3M | $664.3M | $518.6M | $53.7M | $3.8M | 0.98% | 4.16% | 0.45% |
| Q1 2026 | $784.8M | $669.2M | $503.1M | $53.6M | $2.1M | 1.07% | 4.09% | 0.34% |
| Q4 2025 | $773.6M | $658.8M | $489.0M | $53.9M | $7.1M | 0.96% | 3.94% | 0.34% |
| Q3 2025 | $731.1M | $651.6M | $477.9M | $51.6M | $5.2M | 0.96% | 3.90% | 0.23% |
| Q2 2025 | $717.4M | $633.8M | $467.2M | $45.7M | $3.3M | 0.91% | 3.82% | 0.38% |
| Q1 2025 | $716.9M | $629.9M | $465.9M | $44.5M | $1.6M | 0.88% | 3.71% | 0.38% |
| Q4 2024 | $725.7M | $628.7M | $461.3M | $39.4M | $3.9M | 0.53% | 3.32% | 0.49% |
| Q3 2024 | $731.9M | $619.7M | $465.4M | $43.9M | $2.0M | 0.36% | 3.24% | 0.27% |
Loan mix (Q2 2026): real estate $468.3M · commercial $27.6M · consumer $14.0M · securities $207.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.28% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.4% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.16% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.9% | 61.2% | 80th |
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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