No peer data.
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $187.5M | $163.0M | $126.7M | $13.6M | $1.0M | 1.07% | 4.53% | 0.13% |
| Q1 2026 | $188.1M | $169.8M | $124.3M | $13.0M | $471K | 0.99% | 4.47% | 0.11% |
| Q4 2025 | $190.7M | $172.5M | $122.1M | $12.9M | $1.5M | 0.81% | 4.34% | 0.06% |
| Q3 2025 | $184.1M | $166.3M | $121.6M | $12.3M | $1.3M | 0.91% | 4.32% | 0.00% |
| Q2 2025 | $185.9M | $169.4M | $120.5M | $11.1M | $697K | 0.75% | 4.21% | 0.00% |
| Q1 2025 | $182.7M | $166.2M | $116.0M | $11.0M | $321K | 0.69% | 4.07% | 0.00% |
| Q4 2024 | $186.9M | $171.0M | $114.5M | $10.4M | $1.4M | 0.78% | 3.96% | 0.09% |
| Q3 2024 | $191.8M | $165.7M | $119.4M | $11.2M | $965K | 0.70% | 3.85% | 0.00% |
Loan mix (Q2 2026): real estate $94.1M · commercial $21.6M · consumer $6.6M · securities $37.1M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.07% | 1.24% | 39th | |
Return on equity Annualized net income ÷ equity or net worth | 15.4% | 11.9% | 70th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.53% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.3% | 62.9% | 73th |
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% |
The full ratio pack is part of CharterBench Pro.