| Metric | The Farmers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +34.9% | +4.4% | +30.5 pts |
| Deposit growth (YoY) | +31.6% | +4.0% | +27.6 pts |
| Loan growth (YoY) | +33.5% | +5.6% | +27.9 pts |
| ROA | 0.90% | 1.24% | -0.3 pts |
| ROE | 8.0% | 11.9% | -3.9 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $139.6M | $121.1M | $120.9M | $14.5M | $568K | 0.90% | 4.37% | 0.28% |
| Q1 2026 | $123.0M | $104.7M | $106.9M | $14.2M | $280K | 0.94% | 4.39% | 0.37% |
| Q4 2025 | $115.4M | $100.5M | $99.2M | $14.0M | $1.1M | 1.04% | 4.51% | 0.59% |
| Q3 2025 | $108.4M | $94.5M | $93.1M | $11.1M | $755K | 0.99% | 4.49% | 0.29% |
| Q2 2025 | $103.5M | $92.1M | $90.6M | $10.5M | $439K | 0.88% | 4.42% | 0.31% |
| Q1 2025 | $103.7M | $92.5M | $85.6M | $10.2M | $189K | 0.77% | 4.28% | 1.26% |
| Q4 2024 | $91.8M | $74.0M | $80.3M | $9.9M | $602K | 0.70% | 4.50% | 1.43% |
| Q3 2024 | $91.0M | $73.0M | $75.0M | $9.7M | $470K | 0.74% | 4.61% | 1.46% |
Loan mix (Q2 2026): real estate $87.7M · commercial $22.8M · consumer $3.2M · securities $4.0M
| Ratio | The Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.90% | 1.24% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 8.0% | 11.9% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.37% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.9% | 62.9% | 64th |
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 | The 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 | The 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 | The 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 | The 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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