| Metric | The Farmers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.3% | +4.4% | -17.6 pts |
| Deposit growth (YoY) | -16.1% | +4.0% | -20.1 pts |
| Loan growth (YoY) | -2.9% | +5.6% | -8.5 pts |
| ROA | 1.04% | 1.24% | -0.2 pts |
| ROE | 11.9% | 11.9% | +0.0 pts |
ROA ranks in the 37th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $148.3M | $132.3M | $95.0M | $15.2M | $882K | 1.04% | 3.81% | 0.04% |
| Q1 2026 | $177.5M | $161.9M | $96.7M | $14.8M | $429K | 0.95% | 3.51% | 0.64% |
| Q4 2025 | $183.6M | $168.6M | $93.4M | $14.5M | $1.5M | 0.85% | 3.14% | 0.38% |
| Q3 2025 | $154.8M | $140.5M | $98.4M | $13.9M | $1.1M | 0.84% | 3.15% | 0.45% |
| Q2 2025 | $170.9M | $157.8M | $97.8M | $12.7M | $775K | 0.89% | 3.00% | 0.00% |
| Q1 2025 | $172.4M | $159.5M | $92.4M | $12.4M | $389K | 0.88% | 2.86% | 0.03% |
| Q4 2024 | $180.1M | $160.1M | $88.4M | $11.8M | $734K | 0.47% | 2.21% | 0.08% |
| Q3 2024 | $137.1M | $119.6M | $84.3M | $12.8M | $501K | 0.44% | 2.11% | 0.00% |
Loan mix (Q2 2026): real estate $88.2M · commercial $4.4M · consumer $2.7M · securities $37.9M
| Ratio | The Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.04% | 1.24% | 37th | |
Return on equity Annualized net income ÷ equity or net worth | 11.9% | 11.9% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.8% | 62.9% | 44th |
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% |
The full ratio pack is part of CharterBench Pro.