| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +4.4% | -6.0 pts |
| Deposit growth (YoY) | -2.4% | +4.0% | -6.4 pts |
| Loan growth (YoY) | +2.8% | +5.6% | -2.8 pts |
| ROA | 1.13% | 1.24% | -0.1 pts |
| ROE | 14.9% | 11.9% | +3.1 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.5M | $131.9M | $87.3M | $11.9M | $848K | 1.13% | 4.34% | 0.40% |
| Q1 2026 | $153.9M | $141.6M | $85.3M | $11.1M | $392K | 1.03% | 4.25% | 0.30% |
| Q4 2025 | $150.1M | $137.9M | $79.5M | $11.1M | $1.7M | 1.10% | 4.15% | 0.17% |
| Q3 2025 | $146.1M | $129.9M | $82.5M | $11.5M | $1.3M | 1.11% | 4.18% | 0.13% |
| Q2 2025 | $148.9M | $135.2M | $84.9M | $9.9M | $787K | 1.04% | 4.18% | 0.13% |
| Q1 2025 | $151.0M | $137.9M | $85.9M | $9.3M | $312K | 0.81% | 4.10% | 0.12% |
| Q4 2024 | $155.8M | $138.7M | $86.8M | $8.4M | $1.6M | 1.02% | 3.87% | 0.20% |
| Q3 2024 | $153.0M | $129.1M | $86.0M | $10.3M | $1.1M | 0.98% | 3.84% | 0.19% |
Loan mix (Q2 2026): real estate $48.9M · commercial $14.7M · consumer $3.9M · securities $52.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Independent Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.13% | 1.24% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 14.9% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.34% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.6% | 62.9% | 52th |
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 | Independent Farmers 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 | Independent Farmers 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 | Independent Farmers 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 | Independent Farmers 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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