| Metric | First FarmBank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.3% | +4.4% | -1.1 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.0 pts |
| Loan growth (YoY) | -0.9% | +5.6% | -6.5 pts |
| ROA | 1.29% | 1.24% | +0.1 pts |
| ROE | 10.9% | 11.9% | -1.0 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $384.4M | $327.1M | $292.4M | $46.0M | $2.5M | 1.29% | 4.47% | 0.67% |
| Q1 2026 | $382.8M | $325.7M | $288.1M | $45.4M | $1.3M | 1.35% | 4.51% | 0.18% |
| Q4 2025 | $380.1M | $323.9M | $290.7M | $44.7M | $4.3M | 1.16% | 4.34% | 0.40% |
| Q3 2025 | $377.6M | $317.4M | $298.4M | $43.6M | $3.3M | 1.18% | 4.34% | 0.34% |
| Q2 2025 | $372.3M | $314.6M | $295.1M | $42.1M | $2.1M | 1.14% | 4.29% | 0.26% |
| Q1 2025 | $365.8M | $313.3M | $281.7M | $40.9M | $979K | 1.08% | 4.21% | 0.02% |
| Q4 2024 | $359.8M | $308.3M | $281.8M | $39.9M | $3.7M | 1.02% | 4.18% | 0.03% |
| Q3 2024 | $358.7M | $297.7M | $278.4M | $39.7M | $2.9M | 1.05% | 4.21% | 0.62% |
Loan mix (Q2 2026): real estate $165.8M · commercial $25.1M · consumer $2.6M · securities $52.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | First FarmBank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.29% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 10.9% | 11.9% | 43th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.47% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.0% | 62.9% | 45th |
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 | First FarmBank | 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 | First FarmBank | 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 | First FarmBank | 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 | First FarmBank | 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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