| Metric | Farmers State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.3% | +3.0% | +1.3 pts |
| Deposit growth (YoY) | +2.6% | +2.5% | +0.1 pts |
| Loan growth (YoY) | +16.1% | +2.6% | +13.5 pts |
| ROA | 2.09% | 0.99% | +1.1 pts |
| ROE | 19.6% | 8.1% | +11.5 pts |
ROA ranks in the 90th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $72.6M | $64.2M | $40.2M | $8.0M | $766K | 2.09% | 3.91% | 0.00% |
| Q1 2026 | $74.4M | $66.6M | $38.4M | $7.5M | $342K | 1.85% | 3.78% | 0.00% |
| Q4 2025 | $73.1M | $61.7M | $40.8M | $7.9M | $998K | 1.39% | 3.41% | 0.00% |
| Q3 2025 | $75.7M | $68.0M | $39.3M | $7.4M | $660K | 1.23% | 3.25% | 0.00% |
| Q2 2025 | $69.6M | $62.6M | $34.6M | $6.7M | $465K | 1.32% | 3.17% | 0.00% |
| Q1 2025 | $74.6M | $68.0M | $33.0M | $6.2M | $231K | 1.31% | 3.05% | 0.00% |
| Q4 2024 | $67.0M | $60.4M | $33.5M | $6.2M | $889K | 1.36% | 3.10% | 0.00% |
| Q3 2024 | $67.3M | $60.0M | $34.5M | $6.4M | $644K | 1.32% | 3.04% | 0.00% |
Loan mix (Q2 2026): real estate $28.0M · commercial $3.3M · consumer $1.7M · securities $27.7M
| Ratio | Farmers State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.09% | 0.99% | 90th | |
Return on equity Annualized net income ÷ equity or net worth | 19.6% | 8.1% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.91% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.9% | 70.8% | 4th |
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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