| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +5.5% | -7.1 pts |
| Deposit growth (YoY) | -2.4% | +5.1% | -7.4 pts |
| Loan growth (YoY) | +0.4% | +5.9% | -5.5 pts |
| ROA | 1.41% | 1.26% | +0.2 pts |
| ROE | 13.6% | 12.2% | +1.4 pts |
ROA ranks in the 63rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.60B | $1.26B | $1.29B | $172.6M | $11.3M | 1.41% | 3.04% | 0.01% |
| Q1 2026 | $1.58B | $1.26B | $1.28B | $163.5M | $5.3M | 1.33% | 2.95% | 0.01% |
| Q4 2025 | $1.63B | $1.24B | $1.30B | $163.1M | $17.0M | 1.05% | 2.44% | 0.04% |
| Q3 2025 | $1.57B | $1.25B | $1.28B | $156.0M | $11.3M | 0.94% | 2.33% | 0.04% |
| Q2 2025 | $1.63B | $1.29B | $1.29B | $147.4M | $7.0M | 0.85% | 2.20% | 0.01% |
| Q1 2025 | $1.62B | $1.25B | $1.30B | $144.4M | $2.9M | 0.70% | 2.08% | 0.02% |
| Q4 2024 | $1.64B | $1.15B | $1.31B | $145.1M | $6.5M | 0.40% | 1.75% | 0.02% |
| Q3 2024 | $1.62B | $1.21B | $1.30B | $145.7M | $3.4M | 0.28% | 1.64% | 0.03% |
Loan mix (Q2 2026): real estate $1.02B · commercial $210.3M · consumer $33.0M · securities $226.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.41% | 1.26% | 63th | |
Return on equity Annualized net income ÷ equity or net worth | 13.6% | 12.2% | 62th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.04% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 51.2% | 59.0% | 26th |
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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