| Metric | The Farmers Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.9% | +4.9% | +1.0 pts |
| Deposit growth (YoY) | +5.3% | +4.3% | +1.0 pts |
| Loan growth (YoY) | +5.3% | +5.3% | +0.0 pts |
| ROA | 1.67% | 1.28% | +0.4 pts |
| ROE | 12.3% | 12.4% | -0.1 pts |
ROA ranks in the 73rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $942.8M | $800.0M | $621.1M | $130.4M | $7.8M | 1.67% | 4.75% | 0.35% |
| Q1 2026 | $950.9M | $811.5M | $617.9M | $126.6M | $3.9M | 1.68% | 4.67% | 0.38% |
| Q4 2025 | $933.6M | $796.6M | $605.3M | $125.7M | $14.9M | 1.66% | 4.80% | 0.32% |
| Q3 2025 | $897.3M | $761.1M | $600.2M | $120.4M | $11.1M | 1.66% | 4.81% | 0.05% |
| Q2 2025 | $890.5M | $759.9M | $589.6M | $113.7M | $7.3M | 1.64% | 4.73% | 0.46% |
| Q1 2025 | $893.3M | $769.4M | $578.5M | $110.0M | $3.5M | 1.59% | 4.72% | 0.74% |
| Q4 2024 | $885.7M | $768.2M | $562.4M | $105.8M | $13.1M | 1.54% | 4.57% | 0.80% |
| Q3 2024 | $867.2M | $745.9M | $557.6M | $109.6M | $9.7M | 1.53% | 4.57% | 0.84% |
Loan mix (Q2 2026): real estate $566.1M · commercial $50.3M · consumer $6.9M · securities $228.5M
| Ratio | The Farmers Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.67% | 1.28% | 73th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 12.4% | 49th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 56.3% | 61.2% | 35th |
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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