| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.6% | +3.0% | -6.6 pts |
| Deposit growth (YoY) | -5.3% | +2.5% | -7.8 pts |
| Loan growth (YoY) | -5.9% | +2.6% | -8.5 pts |
| ROA | 1.19% | 0.99% | +0.2 pts |
| ROE | 10.1% | 8.1% | +2.0 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $47.4M | $41.4M | $3.3M | $6.0M | $293K | 1.19% | 3.40% | 0.00% |
| Q1 2026 | $50.6M | $44.7M | $3.4M | $5.8M | $161K | 1.28% | 3.34% | 0.00% |
| Q4 2025 | $50.1M | $44.4M | $3.6M | $5.6M | $512K | 1.01% | 3.10% | 0.00% |
| Q3 2025 | $50.7M | $45.0M | $3.5M | $5.6M | $427K | 1.13% | 3.06% | 0.00% |
| Q2 2025 | $49.1M | $43.7M | $3.5M | $5.4M | $264K | 1.04% | 2.99% | 0.00% |
| Q1 2025 | $50.2M | $44.8M | $3.5M | $5.3M | $140K | 1.09% | 2.91% | 0.04% |
| Q4 2024 | $52.4M | $47.2M | $3.6M | $5.1M | $348K | 0.64% | 2.59% | 0.00% |
| Q3 2024 | $53.8M | $48.6M | $3.8M | $5.1M | $257K | 0.63% | 2.38% | 0.14% |
Loan mix (Q2 2026): real estate $1.7M · commercial $948K · consumer $460K · securities $17.9M
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.19% | 0.99% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 10.1% | 8.1% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 3.40% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 70.8% | 17th |
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.
1 branches in 1 county across 1 state (+0 vs 2025) · $41.4M branch deposits. Biggest market: Okanogan, WA, ranked 9th with 3.7% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Okanogan, WA | 1 | $41.4M | 3.73% | 9th |
Washington: 132nd with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (30 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).